What is the eligibility criteria to join a workplace pension scheme?

My company has a mix of different employees. Some are part time and earn less than those that work full time. How does this work within a workplace pension? Are all staff able to join one?

Question asked by Tim Perkins

This is a good question. Employers must automatically enrol any employees who fit the following criteria:

  • Classed as a ‘worker’
  • Aged between 22 and State Pension Age (SPA)
  • Earns at least £10,000 a year
  • Works in the UK.

Any employee that earns below £520 a month (gross) or £120 a week (gross) has a right to join, but isn’t automatically enrolled.

For those earning a monthly gross amount between £520 and £833, they have the right to opt in.

Entitled workers who meet minimum standards have the right to join a workplace pension scheme. But this scheme doesn’t have to be the same as eligible jobholders and non-eligible jobholders. It can be a personal pension or another type. Employers don’t have to make contributions for entitled workers, but they can if they wish.

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