Pensions Re-enrolment – June 1

IN 2013, the Government introduced legislation to encourage workers to save for their retirement through a workplace pension scheme – known as Pensions Auto-Enrolment. Every three years we must re-assess all staff for auto enrolment purposes, and enrol all eligible jobholders into the relevant pension scheme: Teachers’ Pensions Scheme (TPS) for academic roles and the Local Government Pension Scheme (GMPF) (both 50/50 and the full scheme) for non-academic roles.

This primarily concerns staff who are not in a pension scheme or staff who pay into the GMPF 50/50 scheme.  If you are already a member of one of the University’s pension schemes, this process will not affect you, and therefore you will not receive any further direct communication about the upcoming changes.  If you are currently opted out of the pension, but have a form of tax protection, please read the section below entitled ‘Protections against Lifetime or Annual Allowance’.

If you are not paying into one of the University’s pension schemes in June 2016, when the payroll runs at the end of the month, you will be assessed for auto-enrolment and, if eligible, will be enrolled into the relevant pension scheme and the appropriate contribution deducted from your June salary.  If you are enrolled into a scheme, we will formally write out to you the end of June.  If you are a member of the GMPF 50/50 scheme, you will be enrolled into the full main scheme in June 2016.

We are currently undertaking a pre-assessment exercise to highlight staff who may be automatically enrolled in June.  If you are assessed as being likely to be enrolled, we will be contacting you shortly with more information.

Eligibility for auto-enrolment in June 2016

You will be eligible for auto-enrolment if you are:

  1. currently opted out of one of the University’s pension schemes or
  2. a member of GMPF 50/50 scheme and
  3. over the age of 22 but under State Pension Age
  4. earn over £10,000 per year (£833 per month)
  5. work, or usually work in the UK

Opting Out

You can choose to opt out of the pension, but only after you have been enrolled. For the re-enrolment process, we therefore cannot accept opt out forms dated before 1 June 2016.

If you are currently in the GMPF 50/50 arrangement and will be moved back into the ‘main’ scheme from 1 June 2016, you can elect to move back into the 50/50 arrangement by completing an opt out form, and a new GMPF 50/50 option form and returning them to the HR Pensions team.

For information on opting out or the GMPF 50/50 scheme, please visit the Joining or Leaving page on the Pensions website.

Please note that you can elect to join a relevant pension scheme at any time, you do not have to wait for the re-enrolment process.

Protections against Lifetime or Annual Allowance

If you are currently opted out of the pension schemes and have any of the following forms of protection against the lifetime allowance tax charge; Primary protection, Enhanced protection, Fixed protection 2012 or 2014, or Individual protection 2014, if you have not already done so, please email pensionsandreward@mmu.ac.uk, so that you are not auto-enrolled into a pension scheme.

Further Information

Further information is available on the HR Pensions website under Enrolment and the Gov.uk website

The payroll cut-off dates for processing opt out forms over the next few months are: Friday 17 June, Monday 18 July and Thursday 18 August.

You can either scan and email forms to the email address above, or post them to: The Pensions Team, Room 616, 6th Floor All Saints Building, M15 6BH

Please email the HR Pensions team at pensionsandreward@mmu.ac.uk if you have any queries about your pension.