Frequently Asked Questions by Employees
What is automatic enrolment?
Automatic enrolment is new legislation brought in by the government in order to help people save for their retirement. The legislation means that qualifying workers will automatically be put into a pension that their employer also contributes to. It also means that nearly everyone has the right to ask to join a workplace pension scheme.
What is Enable Autoenrol?
Enable Autoenrol is a service for employers that manages their automatic enrolment obligations for them, including checking which of their workers qualify and sending out all the necessary communications.
Why do I have an account?
You have an account because your employer has asked us to look after their automatic enrolment obligations. Your account has been automatically set up for you, and is simply a place that you can log in to check your details are right and find out the details of your automatic enrolment pension.
What can I do with my account?
On your account you can:
- View your details
- Change the % of your salary you contribute to your pension
- Opt in to the AE pension scheme, if you weren’t automatically auto enrolled
- View your pension provider’s details
Why have I been automatically enrolled?
If you’ve been automatically enrolled it is because you meet the following criteria:
- you are aged between 22 and the State Pension Age
- you earn above £10,000 per year, £833 per month or £192 per week
Why haven’t I been automatically enrolled?
If you have not been automatically enrolled it is because you do not meet the criteria to qualify. If you meet the criteria in the future (eg you turn 22 or you get a pay rise) you will be automatically enrolled then.
Can I opt in to the workplace pension?
As long as you are between 16 and 75, yes, you can. However, if you earn below the Lower Earnings Limit (currently £5876 per year, £490 per month or £113 per week) then your employer will not be obligated to make any contribution to the pension.
You should also bear in mind that, if you have opted out within the last 12 months, your employer is not required to let you opt back in.
How do I opt in to the pension?
- Log in to your Enable Autoenrol account (you will have recieved your log in details from us when your company staged)
- Click on the 'Opt me in' button at the bottom of the first page
- A message should pop up, asking you to confirm
Can I opt out using Enable Autoenrol?
No, you cannot. You should have received a pension starter pack from NEST when you were automatically enrolled – this will include information about how to opt out if you wish to do so.