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  Have you thought about the road ahead? With changes in pensions legislation fast approaching do you have all necessary arrangements in place?
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The Introduction of Automatic Enrolment

Automatic Enrolment is a legal requirement. Effective from 1st October 2012 employers must automatically enrol all eligible jobholders into a qualifying pension arrangement from a pre-determined date known as their "staging date". The new employer duties are being introduced over 6 years, starting with the largest companies in 2012.

If you do not know your employer staging date, you can find out using The Pensions Regulator's table.

Upon reaching the staging date an employer must then enrol all employees aged between age 22 and state pension age, with qualifying earnings (£10,000 to £42,385 for the 2015/16 tax year) into a qualifying arrangement. This can be into a qualifying workplace pension scheme such as the Plumbing Pensions Scheme.

Employees can choose to opt-out and effectively not contribute. However if this option is chosen they must then be re-enrolled back into the Scheme at least once every three years by their employer.

The Plumbing and Mechanical Services (UK) Industry Pension Scheme

The Plumbing Pensions Scheme can be used for auto-enrolment by all current participating employers.  The Scheme can no longer accept new employers.

If you are an employer currently participating in the Scheme and would like more information about using the Scheme to auto-enrol new employees please contact us.

If you are not currently participating in the Scheme and are looking for a pension arrangement to help you comply with your auto-enrolment duties, you may find the following link to The Pension Regulator's website helpful

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