Automatic Enrolment/re-enrolment

Automatic enrolment is a Government initiative to help more people save forlater life through a pension scheme at work. It requires employers toautomatically enrol their eligible workers into a qualifying pension scheme, which the LGPS is - both main scheme and the 50/50 section of the scheme. Monthly contributions are paid by both the individual member and the employer.

For the purpose of automatic enrolment workers are put into three differentcategories depending on how much they earn and their age. The categories are Eligible Jobholders, Non-Eligible Jobholdersand Entitled Workers.To find out which type of worker you see the table below.

* SPA is State Pension Age

^ Entitled Workers are not auto-enrolled into the LGPS, but can make an election to join the scheme.

If you are an Eligible or Non-Eligible Jobholder, your contract is for threemonths or more and you are under age 75 you will automatically join the LGPSwhen your contract commences. If you subsequently opt out, and are an EligibleJobholder, your employer will be required to re-enrol you into the LGPSapproximately every three years on a set re-enrolment date. If you were eithera non-eligible jobholder or an entitled worker when you opted out of the LGPSyour employer will be required to put you back into the scheme if you subsequentlybecome an eligible jobholder.

If you opt out, you can elect to re-join the LGPS at any time irrespective of whether you are an Entitled Worker, Non-Eligible Jobholder or Eligible Jobholder. But if you have opted out since 11 April 2015, and you rejoin the scheme with the same employer and the same job, you will not be able to join the 2 periods of pensionable service together.

Your employer may choose not to automatically enrol you if:

• You opted out of the LGPS within 12 months of the date you are due to be automatically enrolled;
• You have given notice of your resignation or retirement, or you been given notice of dismissal;
• Your employer believes that you hold a lifetime allowance protection, such as Primary, Enhanced or Fixed Protection (see the section tax controls & pensions for further information about these protections).