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Auto Enrolment update for Enhanced and Fixed Protection

The Government have recently announced that they intend to remove the requirement for employers to automatically enrol workers who have Enhanced or Fixed Protection.  These protections only remain in place if individuals do not join any pension schemes, so auto enrolment presented a significant headache for them.
The proposed change is to be welcomed, but there are some practical issues to consider, such as whether the employer knows which of their staff have such protections in place.

From an individual’s perspective too, it is important to note that this still requires thought and action.  This alteration would simply enable them to opt out in advance and thus avoid the cumbersome process of joining and then immediately leaving. If they are enrolled and do not opt out immediately, they would usually still lose their protection. 

Additionally, in some circumstances giving up the protection and joining the scheme may still prove to be a better option.  Any person with such protection who is offered membership of a pension scheme under auto enrolment should consider their options carefully and well in advance.



Date: 12th February, 2013
Author: Tony Slocombe


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