I have more than one job – how does this affect my pension?

If you work for more than one employer, you might be automatically enrolled into more than one workplace pension scheme.

What happens if I have more than one job?

If you have more than one job, each of your employers will check whether you qualify to automatically join their workplace pension scheme.

If you qualify, this means you’re classed as an ‘eligible jobholder’.

You’ll then be automatically enrolled into that employer’s workplace pension scheme. But you can then decide to opt out.

You can belong to more than one employer’s workplace pension scheme.

You might not qualify to be automatically enrolled in a workplace pension scheme with one or more of your employers. This means you’re a ‘non-eligible jobholder’ or an ‘entitled worker’.

However, you can ask to join that employer’s workplace pension scheme and’ if you are an ‘entitled worker’, your employer must contribute.

You might be asked to pay contributions, based on your pay from that employment, to each of the schemes you join.

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What you get from each scheme when you retire might differ. This will depend on whether the scheme is defined benefit or defined contribution.

But the important thing is that you’ll be building up a pension that can give you an income in retirement.

If you leave an employer, or as you get close to the date when you can begin taking an income from your pensions, it might be possible to start bringing your pensions together.

There’s no restriction on the number of different pension schemes that you can belong to. However, there are limits on the total amounts that can be contributed across all schemes each year, if you’re to receive tax relief on contributions.

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MoneyHelper is the new, easy way to get clear, free,
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Whatever your circumstances or plans, move forward with MoneyHelper.

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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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