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I'm over State Pension Age - will I still be auto-enrolled?

No, you won't be automatically enrolled into our workplace pension if you're over State Pension age. However, you still have the right to join if you want to!

Understanding State Pension Age

Current State Pension age: 66 for both men and women Future changes: Gradually increasing to 67 between 2026-2028, then to 68 between 2044-2046

You can check your specific State Pension age using the government's calculator at gov.uk linked below

Check Your State Pension Age

What Happens When You're Over State Pension Age

The Assessment Process

  • You'll still be assessed - NOW Pensions will evaluate your eligibility for the scheme
  • You'll receive confirmation - NOW Pensions will email you explaining that auto-enrolment doesn't apply due to your age
  • No automatic deductions - pension contributions won't be taken from your pay without your consent


Your Options if You're Over State Pension Age

Option 1: Opt Into the Scheme

You can still join if you want to! As long as you're aged between 16 and 74, you have the right to ask to join the workplace pension scheme.

Benefits of joining:

  • NASA still contributes 3% - you won't miss out on our contributions
  • Tax relief still applies - your contributions get the same tax benefits
  • Continue building savings - useful if you plan to work for several more years
  • Flexibility - you can access the money when you need it

To join Nasa's workplace pension scheme with NOW Pensions please follow the instructions outlined in the below article

Opting Into the Workplace Pension ✅


Option 2: Stay Out of the Scheme

This might make sense if:

  • You're already drawing from other pensions
  • You need maximum take-home pay
  • You have sufficient retirement income already
  • You're working only temporarily or part-time

 

Need Help Deciding?

Contact our Payroll team at payroll@nasagroup.co.uk for help understanding how contributions would affect your take-home pay and general guidance about the workplace pension.

💡Remember: Just because auto-enrolment doesn't apply to you doesn't mean the workplace pension isn't valuable. With NASA's contributions and tax relief, it can still be one of the most tax-efficient ways to save, regardless of your age!