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Browse frequently asked questions and answers on key HR issues. Navigate by topic or key word search. View latest additions or suggest a question to the XpertHR editorial team.
Who is entitled to a state retirement pension?
What are the rates for the basic state pension?
What is the state second pension?
Are employers obliged to offer an occupational pension scheme?
Is it permissible for an employer to offer a pension scheme only to full-time employees?
What options are open to employees if their employer does not offer an occupational pension scheme?
What is a stakeholder pension scheme?
Are employers legally obliged to make stakeholder pension schemes available to all employees?
What happens if the insolvent employer has failed to pay contributions into a pension plan?
Does the National Insurance Fund cover unpaid pension fund contributions in an insolvency situation?
Do employers have to provide survivors' pension benefits to same-sex partners?
What changes to workplace pension law are being made by the legislation on auto-enrolment?
When does auto-enrolment come into force?
How do employers know what their auto-enrolment staging date is?
What is the relevance for employers of 1 April 2012 in relation to auto-enrolment?
Will auto-enrolment affect small employers?
Which employees qualify for automatic enrolment into a pension scheme?
What is a "qualifying scheme" under the pensions auto-enrolment provisions?
How much must employers and employees contribute into their pension scheme under the pensions auto-enrolment provisions?
Yes. Employers with an existing pension scheme need to consider whether or not they wish to use this for automatic enrolment and, if they do, if it meets the qualifying scheme criteria. If an employer's existing pension scheme is not a qualifying scheme, it must either make changes to the existing scheme or use a different scheme.
Employers with eligible jobholders who are already members of an existing pension scheme that meets the qualifying scheme criteria will not have an automatic enrolment duty for these workers but will have to provide them with certain specified information. The employer will have a duty to auto-enrol any existing eligible jobholders who are not already members of the scheme and any eligible jobholders who join the organisation after the staging date. Therefore, even if it is not necessary for the employer to make changes to the scheme itself, it will have to introduce procedures for enrolling newly-eligible jobholders (such as new workers) into the scheme automatically.
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