Pensions for individuals

Pension law governs retirement savings and benefits, including pension schemes, contributions, entitlements, taxes, and the rights and responsibilities of individuals, employers, and trustees.

Your rights will depend on the specific pension scheme that you are enrolled in. However, there are some basic rights covering all individuals and pension schemes. 

For example, all employers must offer a workplace pension scheme by law. They also must pay in at least the minimum contributions on time each month, and allow you to leave and rejoin the scheme. Employers must not discriminate against you for choosing to stay in a scheme, and they cannot encourage or force you to opt out. 

Yes, you can contribute to your pension independently. You can do so through personal pension schemes that allow you to make additional contributions on top of any workplace pensions. 

No. While your employer must provide a pension, you do not have to join it. However, your employer cannot encourage or force you to opt out. 

There are also numerous benefits to being a part of your workplace pension scheme, including possible tax and National Insurance savings, as well as providing you with money to live off when you retire. 

Although pensions are regulated, occasionally things can go wrong and you may wish to make a complaint. If you have a dispute or complaint regarding your pension that has not been rectified by your employer or the pension provider, you can contact a pension solicitor who will be able to assess your complaint and suggest the best way forward for you.