When does an employer have to re-enrol workers who have opted out after auto-enrolment into a pension scheme?

Workers can opt out of a pension scheme within one month of being auto-enrolled by their employer. Employers must automatically re-enrol eligible jobholders who have opted out every three years.

The employer can choose its re-enrolment date from within a six-month window beginning three months before the third anniversary of its staging date, duties start date or its previous re-enrolment date (if re-enrolling for the second or subsequent time), and ending three months after that anniversary. For example, if an employer's staging date was 1 October 2016 it could choose a re-enrolment date between 1 July 2019 and 31 December 2019.

The employer must complete re-enrolment of its eligible jobholders within six weeks of its chosen re-enrolment date. However, membership of the pension scheme must be backdated to start from the re-enrolment date.

Employers cannot choose a different re-enrolment date for different sections of the workforce, or for individual workers. The same date applies across the employer's workforce. Employers cannot use postponement at their re-enrolment date.