I'm confused with some of the scenarios where Auto-Enrolment will be implemented or not implemented. In the scenario where a place of employment has an occupational or company pension in place but without employer contributions. If employee Sean is contributing to this pension, and therefore has a pension (so will not qualify for AE I believe) but no employer contributions, will this employee not get the employer and the state contributions that he would get under the AE scheme.
Does this not mean that employers that want to escape from having to pay mandatory AE pension contributions, all they have to do is set up some occupational pension scheme now before AE comes into law and and try and get employees to pay into that themselves so that said employees then won't qualify for the AE pension scheme.
Or will employers have to pay the government AE mandatory employee contributions into the occupational pension scheme?
Is there going to be a scenario where a low paid employee that has an existing small personal pension but with no employer contributions will just remain as they are? ie: this employee will still not receive employer or the government state contributions?
Could someone point out the flaws in my thinking or am I correct on this?
Does this not mean that employers that want to escape from having to pay mandatory AE pension contributions, all they have to do is set up some occupational pension scheme now before AE comes into law and and try and get employees to pay into that themselves so that said employees then won't qualify for the AE pension scheme.
Or will employers have to pay the government AE mandatory employee contributions into the occupational pension scheme?
Is there going to be a scenario where a low paid employee that has an existing small personal pension but with no employer contributions will just remain as they are? ie: this employee will still not receive employer or the government state contributions?
Could someone point out the flaws in my thinking or am I correct on this?