A brief trawl reveals no specific answer to an employee refusing a pension contribution from an employer ... in essence , the postion in law.
Pension Regulator has interpreted the law correctly ... employer / employee ... pensions ... if only one of each.
PR's web site ... NOT for the faint hearted ... a glass ( Pint sized ? ) of traditional winter warmer needed ... as much again afterwards ?
The legal relationship so created is not made clear by many LAs to prospective claimants for DPs ... possibly contained in the footnotes to comply with the law ... a potential ticking time bomb ... one aspect , the Sleepover thread , acts as a warning for all.
I will assume that , in the absence of a pension contribution , the employee is not asking for " A few more pence per hour " in lieu ... to save on the bookkeeping , so to speak ?
Our own Advice team may be able to assist.
An alternative ?
Not much by way of an Internet search ... if our Advice Team cannot help , perhaps they know of a specialist who can ... might even be a trade union given the problem was created by the employee ... possibly a pensions law advisor ?
Only problem ?
It's an employer asking the question , not the employee ... which , in itself , is odd as the employee is giving a possible future benefit away for nothing.
Even the Government web site does not cover this issue ... plenty of near misses ?
What your employer must do
Your employer must automatically enrol you into a pension scheme and make contributions to your pension if you:
are aged between 22 and State Pension age
earn at least £10,000 per year
work in the UK
If your employer doesn’t have to enrol you by law, you can still join their pension scheme if you want to. Your employer can’t refuse.
However, they don’t have to contribute if you earn these amounts or less:
£490 per month
£113 per week
£452 per 4 weeks
When you’re enrolled into their pension scheme, your employer must:
pay at least the minimum contributions to the pension scheme on time
let you leave the pension scheme (called ‘opting out’) if you ask - and refund money you’ve paid if you opt out within 1 month
let you rejoin the scheme at least once a year if you’ve opted out
enrol you back in once every 3 years if you’ve opted out and you’re still eligible for automatic enrolment
What your employer can’t do
Your employer can’t:
encourage or force you to opt out of the scheme
unfairly dismiss or discriminate against you for staying in a workplace pension scheme
imply someone’s more likely to get a job if they choose to opt out of the pension scheme
close a workplace pension scheme without automatically enrolling all members into another one
If you’re concerned about the way your employer is dealing with automatic enrolment or managing your workplace pension, you can contact The Pensions Regulator.
What your employer must tell you
When your employer automatically enrols you into their workplace pension scheme, they must write to you. In the letter, they must tell you:
the date they’ve added you to the pension scheme
the type of pension scheme and who runs it
how much they will contribute and how much you’ll have to pay in
how you can leave the scheme if you want to
What employers can do
Delay the enrolment date
Your employer can delay the date they must enrol you into a pension scheme by up to 3 months.
They may be able to delay longer if they’ve chosen a ‘defined benefit’ scheme or a ‘hybrid’ pension scheme (a mixture of defined benefit and defined contribution schemes).
Your employer must:
tell you about the delay in writing
let you join in the meantime if you ask to
You and your employer may agree to use ‘salary sacrifice’ (sometimes known as a ‘SMART’ scheme).
If you do this, you give up part of your salary and your employer pays this straight into your pension. In some cases, this will mean you and your employer pay less tax and National Insurance.
Ask your employer if they use salary sacrifice.
Odd ? Pension scheme required by law but ... no contributions from either below certain figures ... seems contradictory ?
On the figures quoted ... literally thousands potentially in the same position ?
A care worker ... working direct ... 5 hours per week for 4 different employers recveiving DPs ... 4 nominal value pensions ... then takes on another couple of hours for a fifth ... and the fifth one " Required " to set up yet another pension scheme ?
Probably an easy answer to this one ... from someone ... somewhere ?