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4739. Who can Opt In to a pension scheme?

If the employees are not automatically enrolled, they have the right to Opt In to the pension scheme.

Employees who can Opt In are:

  • aged 16-21, or state pension age to 74
  • earning above £10,000 a year


  • aged 16-74
  • Earning above £6,240 up to and including £10,000 a year.

The employee who previously opted out also can Opt In again. But if they’ve already asked to Opt In in the last 12 months and subsequently opted out or ceased membership, it’s up to employer to decide whether to enrol them.