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.


Click to show the answer Who is entitled to a state retirement pension?

Click to show the answer What are the rates for the basic state pension?

Click to show the answer What is the state second pension?


Click to hide the answerAre employers obliged to offer an occupational pension scheme?

No, there is no legal obligation to operate an occupational pension scheme although many employers choose to do so. A scheme can be set up to require contributions from employees, or can be non-contributory. Specialist legal advice should be sought before setting up an occupational pension scheme. If no scheme is set up, the employer may need to consider providing a stakeholder pension scheme. From October 2012, it is proposed that employers will have to auto-enrol employees into a qualifying pension scheme and make mandatory contributions. Employees will be able to opt out after enrolment.

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Click to show the answer Is it permissible for an employer to offer a pension scheme only to full-time employees?

Click to show the answer What options are open to employees if their employer does not offer an occupational pension scheme?

Click to show the answer What is a stakeholder pension scheme?

Click to show the answer Are employers legally obliged to make stakeholder pension schemes available to all employees?

Click to show the answer What happens if the insolvent employer has failed to pay contributions into a pension plan?

Click to show the answer Does the National Insurance Fund cover unpaid pension fund contributions in an insolvency situation?

Click to show the answer Do employers have to provide survivors' pension benefits to same-sex partners?

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