Why am I seeing this message?
You’re seeing this message because your benefit selections would reduce your taxable salary below the National Minimum Wage (NMW) or National Living Wage (NLW).
When you attempt to confirm your selections, you may see a message like:
“Your taxable salary of £23,545.27 per annum as at 01/06/2026 has dropped below the National Living Wage. Based on your contracted hours of 37.5 per week, your taxable salary must not drop below your minimum wage of £24,784.50 per annum. Please review your selections for the benefits that are paid for by salary sacrifice.”
In this case, you won’t be able to accept the Terms and Conditions or confirm your selections until the issue is resolved.
This happens because salary sacrifice benefits reduce your taxable salary, and your employer must ensure your pay does not fall below the legal minimum.
What do I need to do?
To proceed, you will need to review and update your selections:
Option 1: Amend your selections
- Go back to ‘My Benefits’
- Reduce or adjust your salary sacrifice benefit selections
- Select ‘Review & Confirm’
- Accept the Terms and Conditions
- Confirm your selections
Option 2: Switch to Net Pay (if available)
- If the benefit offers a Net Pay option, you can choose this instead
- Net Pay deductions are taken after tax and do not affect National Minimum Wage calculations
- Select ‘Review & Confirm’
- Accept the Terms and Conditions
- Confirm your selections
Option 3: Remove your selection (if available)
You may be able to remove or undo the benefit selection.
This option will appear on the benefit page below the ‘Update Benefit’ button
Once you’ve made your changes:
- Select ‘Review & Confirm’
- Accept the Terms and Conditions
- Confirm your selections
What if I think this is incorrect?
If you believe your salary should support your selections, or you’re unable to make changes:
- Please contact your HR or Payroll team
- They can review your details and investigate further
Helpful tip
Salary sacrifice benefits reduce your taxable salary, so it’s important to keep your selections within the National Minimum Wage limits to complete your enrolment.