We’ve looked at some of the ways that contractual enrolment into pension saving is different from auto-enrolment (see Helen Powell’s post, Enrolling into pension saving: do you know your AE from your CE?)  As the regime rolls into action, we are starting to come across areas where the interaction of contractual enrolment with information requirements under the auto-enrolment legislation can create practical problems for employers, and potentially end up baffling members.

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“You like to-may-to, I like to-mah-to”; you say auto-enrolment, I say contractual enrolment. Unfortunately, we can’t call the whole thing off. The pensions auto-enrolment regime is logistically quite complex. Many employers are finding it easier, for a variety of reasons, to arrange things so that their workers are already members of a suitable pension arrangement when they reach their automatic enrolment date. This may well make good practical sense, but you need to be aware that it is not auto-enrolment. This is contractual enrolment, and understanding the difference does make a difference. (more…)