Do I have a right to be made fully aware of the pension scheme or personal pension options available to me?

Yes. It is your employer’s responsibility to keep you fully aware of the pension schemes available to you at work.

In addition, trustees of any occupational pension scheme should inform members of details of the scheme and provide a yearly statement of benefits to members and recognised trade unions.

Your employer also has implied duties of good faith, trust and confidence, and a duty not to negligently misrepresent the implications of changes to your pay and conditions. These duties apply to all contract terms, including pensions.

Your employer also has statutory obligations to automatically enrol workers into a workplace pension under pensions auto-enrolment if they are eligible. Even if workers opt out after being enrolled, the employer must automatically re-enrol them every three years. You can find out more about pensions auto-enrolment on the website of the Pensions Advisory Service.

Even if you do not automatically qualify for pensions auto-enrolment, you can ask your employer to enrol you. 

Many unions also provide their members with up to date guidance on the pension schemes available at their work.

Fighting to defend occupational pension rights is a key issue for unions and their members. Where unions are recognised, union negotiators who are expert in pensions regulation engage in regular negotiations across the table from the employer’s side to try to secure the best possible deal, backed by the threat of industrial action where necessary. The more workers that join a trade union, the stronger the union's negotiating position will be. If you are not yet a union member, use our Union Finder tool to find the union most suitable for your needs.

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.

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