When you join your company, your pension may appear on the benefits platform as part of your overall benefits package. However, enrolment is often postponed for up to three months from your start date, which means the pension benefit may not be visible in your My Benefits section immediately.
As your pension is managed as a flexible benefit rather than through an automatic enrolment process, your experience may differ from a standard workplace pension journey.
This guide explains what you can expect and how your pension is managed within the platform.
Logging Into the Benefits Platform
When you first log in, your pension benefit may not be visible if your enrolment has been postponed.
Important: How and when you are enrolled will depend on your employer's pension arrangements and internal processes.
How Pension Management Works
In this setup, pensions are managed through the benefits selection process rather than through automatic enrolment.
This means:
- Pension choices are managed in the same way as other benefits.
- Joining, leaving, or changing contributions follows your employer's established processes.
- In some cases, you may already be enrolled in the pension scheme without needing to actively select the benefit.
Making Changes to Your Pension
During an open enrolment window, and where permitted by your employer, you may be able to:
- Adjust your pension contributions.
- Cease (terminate) pension membership.
The options available will depend on your employer's setup.
Outside of enrolment windows, changes are typically restricted.
Automatic Enrolment and Status Updates
Because your pension is managed as a flexible benefit:
- There is no automatic enrolment assessment within the platform.
- Automatic enrolment statuses, such as Eligible Jobholder or Postponed, are not displayed.
- Statutory automatic enrolment communications are not issued through the portal unless your employer provides them separately.
Opting In, Opting Out, and Ceasing Membership
Actions such as:
- Opting in
- Opting out
- Ceasing membership
Depending on your employer's process:
- You may be directed to contact your pension provider.
- Your HR or Benefits team may manage the request on your behalf.
Guidance specific to your organisation is typically available within your pension details in the platform.
Re‑enrolment
In this setup:
- Cyclical re-enrolment is not managed automatically through the platform.
- Any required re-enrolment activity will be managed separately by your employer.
Key Things to Remember
- Your pension is managed as part of your flexible benefits programme rather than through automatic enrolment.
- You may still be enrolled in the pension scheme without needing to actively select it.
- Pension changes are typically only available during enrolment windows, depending on your employer's arrangements.
- Opting in, opting out, and ceasing membership are usually managed outside the platform.
- If you're unsure how your pension is managed, refer to your company communications or contact your HR or Benefits team.
This approach aligns pension management with your organisation's wider benefits process rather than a standard automatic enrolment journey.