Automatic enrolment if you’re above State Pension age

If you’re over the State Pension age, you won’t be automatically enrolled by your employer into a workplace pension. You still have the right to opt in up to age 74 (depending on your earnings) – but from age 75 the tax benefits of saving into a pension stop.

How to find your State Pension age

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If you’re between State Pension age and 74

If you’ve reached State Pension age, you won’t be automatically enrolled into your employer’s workplace pension scheme.

But, provided you earn £6,240 or more a year (tax year 2021/22), you have the right to opt in to the scheme.

If you opt in, you’ll qualify for the minimum level of employer contributions.

If you earn less than £6,240, you won’t automatically be enrolled. But your employer must give you access to a pension to save into if you ask them to. They must also arrange for you to join. But they don’t have to contribute to it.

If you’re 75 or over

Automatic enrolment doesn’t apply to workers aged 75 or over. The tax benefits of saving into a pension scheme stop at age 75.

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MoneyHelper is the new, easy way to get clear, free,
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Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free,
impartial help for all your money and pension choices.
Whatever your circumstances or plans, move forward with MoneyHelper.

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