Stakeholder Pensions

4. Which Employees?

4.1 Some individuals cannot be enrolled in your designated scheme.

• Anyone who is resident outside the UK, and does not have UK net relevant earnings, cannot join a stakeholder pension scheme (unless they are Crown Servants or their spouses or civil partners).
• People who are resident outside the UK but do have UK net relevant earnings can join, but only for the year or years in which they have those earnings.
• Anyone aged 75 or over cannot join.

4.2 With some employees you need not make deductions.

• You do not have to provide employees with access to your designated scheme within their first three months. This means that you do not have to pass on information to, or make deductions for, temporary or very short-term employees.
• You do not need to provide access for employees whose earnings have fallen below £90 a week for one or more weeks in the last three months.

4.3 There are limits on the amount that individuals can contribute to stakeholder pension schemes.