Is my employer obliged to provide a pension scheme?

All employers are required to automatically enrol eligible employees into a qualifying workplace pensions scheme and make contributions, from 2018 that applies even to the very smallest. Even if the employer doesn’t have to enrol you (taking your age and earnings into account) you can still apply to join.

For the latest obligations on employers, see on the GOV.UK website.

Note: This content is provided as general background information and should not be taken as legal advice or financial advice for your particular situation. Make sure to get individual advice on your case from your union, a source on our free help page or an independent financial advisor before taking any action.