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
Check your State Pension age on the GOV.UK website
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 2024/25), 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 (tax year 2024/25), 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.
Need more information on pensions?
Call our helpline free on 0800 011 3797 or use our webchatOpens in a new window. One of our pension specialists will be happy to answer your questions.
Our help is impartial and free to use, whether that’s online or over the phone.
Opening times: Monday to Friday, 9am to 5pm. Closed on bank holidays.
