My Macmillan

Workplace pensions

If you work for an employer, you may have a workplace pension.

There are different types of workplace pensions. The exact details of the pension will vary from employer to employer. Usually:

Automatic enrolment

Since 2012, employers have had to enrol most employees into a pension scheme. If you're eligible you will be enrolled by February 2018, at the latest. But you can choose to opt out either immediately or in the future. Your employer must also pay money into the scheme.

Taking time off work or reducing your hours

If you get sick pay during a period off work, you could continue to build up your workplace pension as normal. But this is not always the case. If you’re off work for a long period, your pension may stop building up.

To check if your pension will be affected by time off or reduced hours, talk to your employer, the HR department at work or the pension scheme manager.

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