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  • FIRST POST
    • Sheepski
    • By Sheepski 17th Jun 19, 6:13 PM
    • 22Posts
    • 16Thanks
    Sheepski
    No auto-enrolment/workplace pension
    • #1
    • 17th Jun 19, 6:13 PM
    No auto-enrolment/workplace pension 17th Jun 19 at 6:13 PM
    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.
Page 1
    • xylophone
    • By xylophone 17th Jun 19, 7:07 PM
    • 30,184 Posts
    • 18,490 Thanks
    xylophone
    • #2
    • 17th Jun 19, 7:07 PM
    • #2
    • 17th Jun 19, 7:07 PM
    https://www.gov.uk/employers-workplace-pensions-rules

    You need to discuss this with your employer.
    • atush
    • By atush 17th Jun 19, 8:46 PM
    • 17,732 Posts
    • 11,250 Thanks
    atush
    • #3
    • 17th Jun 19, 8:46 PM
    • #3
    • 17th Jun 19, 8:46 PM
    I agree, you have to bring it up.
    • jaybeetoo
    • By jaybeetoo 17th Jun 19, 9:29 PM
    • 894 Posts
    • 463 Thanks
    jaybeetoo
    • #4
    • 17th Jun 19, 9:29 PM
    • #4
    • 17th Jun 19, 9:29 PM
    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
    • By Albermarle 18th Jun 19, 8:52 AM
    • 1,015 Posts
    • 620 Thanks
    Albermarle
    • #5
    • 18th Jun 19, 8:52 AM
    • #5
    • 18th Jun 19, 8:52 AM
    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
    • By AnotherJoe 18th Jun 19, 9:16 AM
    • 14,939 Posts
    • 17,972 Thanks
    AnotherJoe
    • #6
    • 18th Jun 19, 9:16 AM
    • #6
    • 18th Jun 19, 9:16 AM
    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.
    Please dont criticise my spelling. It's excellent. Its my typing that's bad.
    • molerat
    • By molerat 18th Jun 19, 11:20 AM
    • 20,876 Posts
    • 15,157 Thanks
    molerat
    • #7
    • 18th Jun 19, 11:20 AM
    • #7
    • 18th Jun 19, 11:20 AM
    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.
    https://www.helpforheroes.org.uk/give-support/donate-now/
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