No auto-enrolment/workplace pension

Sheepski

Hi everyone,


So I've been employed by a small charity with only a few employees since March 2018 on an initial 3 year contract. When joining I signed a contract that said the company didn't have a pension but I could opt-in to a stakeholder pension through NEST. Pensions were the last thing from my mind at that point.



But more recently I've been reading about the auto-enrolment to workplace pensions rules in place since last year, and therefore have a dilemma.



If I bring it up to my boss it would cost her a lot of money (though of course it's a legal requirement) which could upset the future financial stability of the charity. We only have 3 employees including me who would be eligible.


But I also have to look out for my retirement too. Though the £60 or so I'll lose every month will make my tight budget even tighter.


Is a charity, or a company with such small numbers of staff exempt for some reason? Do I just inform her nicely and see what happens? It feels like a social etiquette/rule nightmare as much as it does a financial mess.

xylophone

https://www.gov.uk/employers-workplace-pensions-rules

You need to discuss this with your employer.

atush

I agree, you have to bring it up.

jaybeetoo

Your employer will have been receiving regular reminders from the Government about workplace pensions. They will also have been required to complete forms and return them to the Government. They cannot claim they didn’t know about this.

Albermarle

As well as being in your own best interest , it is in the best interest of the charity that they are not breaking the law. The cost to them is only 3% of three peoples salary and if they keep ignoring it then could be a lot of problems down the line, maybe backpayments etc .

AnotherJoe

Whats this dilemma? That the employees, as well as working for low wages, are also subsidising the charity by not getting a pension? I dont see a dilemma there. Its also illegal is it not? No dilemma, point out you'd like to see the charity not break the law.

molerat

I do often wonder about the morals of many charities. My SIL works for one and for a charity that specialises in care they certainly don't care about their employees.