Non Members

Since 1 October 2012 (subject to the employer's own staging date), all 'workers' have to be auto-enrolled into a qualifying pension scheme without any active decision on their part to join the qualifying pension scheme.

A 'worker' is defined as any individual who:

• works under a contract of employment (an employee); or
• has a contract to perform work or services personally (i.e. they cannot send a substitute or sub-contract the work) and is not undertaking the work as part of their own business.

You can find out more about auto-enrolment and how this may apply to you by visiting the auto-enrolment section of the MoneyHelper website. 

Important note: You can choose to 'opt out' of membership of a qualifying pension scheme but only after you have been automatically enrolled by your employer.