NB I am not authorised to give financial advice and none is included in the pack.
The pack is for guidance only and is not advice. I accept no responsibility for anything that anything anyone does or does not do as a result of reading or using the pack, unless I have accepted instructions to advise.
A version of this pack and more AE and employment related pension documents with explanatory footnotes (not included in the above) are available in Kelly’s Legal Precedents 21st edition with the 2015 supplement: see the link below.
3 letter from employer to workers not liable to be enrolled automatically
You have probably read or seen news that the Government has introduced a law requiring all employers to enrol their workers into a pension scheme, which meets certain minimum standards, unless they are already members of a qualifying scheme. The law is mainly in the Pensions Act 2008 and Occupational and Personal Pension Schemes (Automatic Enrolment) Regulations 2010.
AE will apply to us on (date), which is our “staging date”. AE does not apply to you because you do not meet all the criteria. The criteria are that a worker is between age 21 and the state pension age, is paid over £10,000 pa and is not a member of a qualifying scheme.
(Add if the worker satisfies the age criteria)
You are however entitled to require us to enrol you into a pension scheme, but if your earnings are less than £5,824 pa we are not required to pay contribution to it in respect of you. We are still required to provide information to you, so I enclose:
(i) a leaflet explaining the general principles of AE; and
(ii) a formal notice* with all the information that we are required by law to give to you.
Please ask me if you have any queries about AE.
* There are two forms of notice, depending on the worker’s qualifying earnings.
If they are £5,824 pa or over use statutory notice in precedent 7.
If they are below £5,824 pa use statutory notice in precedent 8.