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FAQs for Members
Re-enrolment FAQs
No. The government thinks it’s so important to give people the chance to save for retirement that your employer is legally obliged to re-enrol you if you qualify. If your employer doesn’t keep to the rules they can face big fines from The Pensions Regulator.
However, if you are re-enrolled you can opt out again if you want to. Your employer will refund any contributions you made while you were re-enrolled, as long as you opt out within one month of being re-enrolled.
Legally, your employer must re-enrol you if you qualify to be in the Scheme. This usually applies even if you’ve opted out before.
Yes. Once you’ve been re-enrolled, you’ll have one month – or from the date we write to you if this is later – to opt out. Your re-enrolment letter will tell you the deadline for opting out.
If you opt out by the deadline, your employer will refund any contributions you made while you were re-enrolled. If you miss the deadline, they can’t be refunded. They’ll stay invested in the Scheme until you retire, or you transfer them to another pension provider.
We don’t want you to go, but you can leave the Scheme at any time. You can opt out online using your member account at nowgateway.com. Log in to your account, select your job contract on the dashboard, select ‘Opt out’ and follow the on-screen instructions. You’ll get a letter saying you have successfully opted out of the Scheme.
Every three years your employer is legally obliged to check whether there are any qualifying employees who aren’t in the Scheme. If they find you qualify, they must re-enrol you and start making contributions to your pension savings.
We’ll write to tell you if you’ve been re-enrolled, explain how it works and tell you what you need to do.
The first re-enrolment date is around three years from when your employer originally set up the Scheme. The re-enrolment anniversary is every three years after that.
The re-enrolment requirements are set by the government and enforced by The Pensions Regulator.
UK employers must provide a pension for their employees and your employer has chosen the now:pensions Trust (‘the Scheme’) to provide its workplace pension. This is to encourage you to save for your retirement.
If you’ve opted out of the Scheme or were never enrolled into it, every three years your employer is legally required to:
- check whether any employees qualify to be enrolled and enrol them if they are
- start making contributions.
The first re-enrolment date is around three years from when your employer originally set up the Scheme. The re-enrolment anniversary is every three years after that.
The re-enrolment requirements are set by the government and enforced by The Pensions Regulator.