The auto-enrolment solution for Northern Ireland

Members FAQs

Why have I been transferred from Enhance Construction Pension Scheme to Workers Pension Trust?

Both Enhance Construction Pension Scheme and Workers Pension Trust are under common administration and governance, with related Trustee Boards and with links to the Joint Council for the Building and Civil Engineering Industry (Northern Ireland).

In light of legislative changes applicable to Master Trusts, the Trustees have taken legal advice and it has been decided to restructure and refine the number of pension arrangements on offer. Based on this advice, a decision was taken to transfer members of Enhance to Workers Pension Trust on the same terms and conditions.

Can I pay in more than the minimum contribution?

Yes, paying additional contributions allows members to make better provision for their retirement.  Members and/or employers may contribute more than the minimum employee percentages required by auto-enrolment. If you are interested in paying additional contributions download and complete the Contribution Change Form and pass it to your employer.

What you need to know about leaving the Scheme

  • Your employer cannot ask you or force you to leave the Scheme.
  • If you are asked or forced to leave the Scheme, you can tell The Pensions Regulator.
  • If you change your mind, you may be able to re-join the Scheme – write to your employer if you want to do this.
  • If you leave the Scheme, your employer will normally put you back into pension saving in around three years.
  • If you change your job, your new employer will normally put you back into pension saving straight away.
  • If you have another job, your other employer might also put you into pension saving, now or in the future.
  • If you want to leave the pension scheme after the opt out period has expired, you will not be able to opt out, instead you may cease active membership by informing your employer in writing. You will not be eligible for a refund of contributions from your employer. We will write to you to advise of your options on leaving the Scheme.
How does tax relief work?

When paying into a pension scheme, you may receive tax relief on contributions. This means that money that would have gone to the government as tax goes into your pension instead. Workers Pension Trust operates a net pay arrangement for tax relief. This means that pension contributions are deducted from pay before tax is calculated.

If you are eligible for tax relief, your employer deducts your contributions from your pay before they deduct tax, giving immediate tax relief. (The tax you'd normally pay to the taxman is invested in your pension instead.)

If your earnings are below the starting rate for income tax (£11,850 2018/19) you do not benefit from the tax relief that a taxpayer would receive. However, this doesn’t affect the amount that is paid into your pension and you will continue to benefit from the money that your employer pays in.

When can I claim my pension from the Scheme?

We will write to you in advance of your 65th birthday to provide you with your retirement options. You may however claim your benefits at any time from age 55 whether you leave your employer or not.

There are circumstances when you can take your retirement benefits earlier than age 55 (for example, if you are forced to retire due to ill-health or are terminally ill). Read What are my retirement options for more details.

Will I still receive a State pension if I have my own pension?

You will receive a State pension as normal. Your Workers Pension Trust pension is in addition to your State pension.

Will I lose my savings if I change jobs or die before I retire?

With Workers Pension Trust you can take your pension with you to your next employer. You can choose who to leave your savings to should you die before you retire by completing the Expression of Wish form.

Where can I get free and impartial pensions advice?

Free and impartial government guidance can be obtained from Pension Wise.

What is auto-enrolment?

To help people save more for their retirement, the government requires employers to enrol their employees into a workplace pension scheme (auto-enrolment) if they are not already in a ‘qualifying scheme’. 

The government’s aim is to get more people to have another income, on top of the State Pension, when they come to retire. The full basic State Pension in 2018-19 is £125.95 a week. 

Members who transferred into Workers Pension Trust from the Enhance - Construction Pension Scheme pay the following minimum contributions: 

  From December 2016
Employer Contribution 4%
Employee Contribution 4%
Employee Tax Relief 1%
Total Contribution 9%

Contributions are kept under review by the Joint Council for the Building & Civil Engineering Industry (Northern Ireland) and are subject to change.

Your employer also pays a weekly contribution towards lump sum death in service cover.