Automatic enrolment is a Government initiative to help more people save for later life through a pension scheme at work. It requires employers to automatically enrol their eligible workers into a pension scheme and to contribute to it.
Automatic enrolment was rolled out in stages across all employers between October 2012 and February 2018. From February 2018 all employers are required to offer a workplace pension to eligble workers.
For the purpose of automatic enrolment workers are put into three different categories depending on how much they earn and their age. The categories are eligible jobholders, non-eligible jobholders and entitled workers. To find out which type of worker you are use the find out more buttons on the right-hand side of this page.
If you are a new employee who is eligible to join the LGPS you will be entered into the scheme when you start (if you are under age 75 and have a contract of employment for three months or more) as part of your contract of employment. If you subsequently opt out your employer will be required to re-enrol you into the LGPS approximately every three years on a set re-enrolment date, if you are an eligible jobholder. If you were either a non-eligible jobholder or an entitled worker when you opted out of the LGPS your employer will be required to put you back into the scheme the first time you become an eligible jobholder.
Your employer may choose not to automatically enrol you if:
- you opted out of the LGPS within 12 months of the date you are due to be automatically enrolled
- you have given notice of your resignation or retirement, or you been given notice of dismissal
- your employer believes that you hold a lifetime allowance protection, such as Primary, Enhanced or Fixed Protection (see the section tax controls & pensions for further information about these protections)
Your employer may have used Transitional Delay or can use Postponement to delay automatically enrolling you into the LGPS - see the find out more buttons on the right-hand side of this page for further information.
You can elect to join the LGPS at any time whether you are an eligible jobholder or not. See the section on who can join for further information about this.