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Pensions Act 2008

2008 CHAPTER 30

CONTENTS

Go to Preamble

  1. Part 1

    Pension scheme membership for jobholders

    1. Chapter 1

      Employers' duties

      1. Jobholders

        1. 1. Jobholders

      2. Employers' duties

        1. 2. Continuity of scheme membership

        2. 3. Automatic enrolment

        3. 4. Postponement of automatic enrolment

        4. 5. Automatic re-enrolment

        5. 6. Timing of automatic re-enrolment

        6. 7. Jobholder’s right to opt in

        7. 8. Jobholder’s right to opt out

      3. Duty in relation to workers without qualifying earnings

        1. 9. Workers without qualifying earnings

      4. Supplementary provision about the duties

        1. 10. Information to be given to workers

        2. 11. Information to be given to the Pensions Regulator

        3. 12. Introduction of employers' duties

      5. Qualifying earnings

        1. 13. Qualifying earnings

        2. 14. Review of qualifying earnings band

        3. 15. Pay reference period

      6. Qualifying schemes and automatic enrolment schemes

        1. 16. Qualifying schemes

        2. 17. Automatic enrolment schemes

        3. 18. Occupational pension schemes

        4. 19. Personal pension schemes

      7. Quality requirements

        1. 20. Quality requirement: UK money purchase schemes

        2. 21. Quality requirement: UK defined benefits schemes

        3. 22. Test scheme standard

        4. 23. Test scheme

        5. 24. Quality requirement: UK hybrid schemes

        6. 25. Quality requirement: non-UK occupational pension schemes

        7. 26. Quality requirement: UK personal pension schemes

        8. 27. Quality requirement: other personal pension schemes

        9. 28. Sections 20, 24 and 26: certification that quality requirement is satisfied

      8. Transitional

        1. 29. Transitional periods for money purchase and personal pension schemes

        2. 30. Transitional period for defined benefits and hybrid schemes

      9. Miscellaneous

        1. 31. Effect of freezing order or assessment period

        2. 32. Power of trustees to modify by resolution

        3. 33. Deduction of contributions

    2. Chapter 2

      Compliance

      1. Effect of failure to comply

        1. 34. Effect of failure to comply

      2. Compliance notices and unpaid contributions notices

        1. 35. Compliance notices

        2. 36. Third party compliance notices

        3. 37. Unpaid contributions notices

        4. 38. Calculation and payment of contributions

        5. 39. Meaning of “relevant contributions”

      3. Penalty notices

        1. 40. Fixed penalty notices

        2. 41. Escalating penalty notices

        3. 42. Penalty notices: recovery

      4. Reviews and references

        1. 43. Review of notices

        2. 44. References to the Pensions Regulator Tribunal

      5. Offences and monitoring

        1. 45. Offences of failing to comply

        2. 46. Offences by bodies corporate

        3. 47. Offences by partnerships and unincorporated associations

        4. 48. Offences of providing false or misleading information

        5. 49. Monitoring of employers' payments to personal pension schemes

    3. Chapter 3

      Safeguards: employment and pre-employment

      1. Prohibited recruitment conduct

        1. 50. Prohibited recruitment conduct

        2. 51. Compliance notices

        3. 52. Penalty notices

        4. 53. Review of notices and references to Pensions Regulator Tribunal

      2. Inducements

        1. 54. Inducements

      3. Protection of employment rights

        1. 55. The right not to suffer detriment

        2. 56. Enforcement of the right

        3. 57. Right of employee not to be unfairly dismissed

        4. 58. Restrictions on agreements to limit operation of this Part

      4. Employment Appeal Tribunal

        1. 59. Employment Appeal Tribunal

    4. Chapter 4

      Supplementary provision about compliance and information-sharing

      1. Records and information

        1. 60. Requirement to keep records

        2. 61. Powers to require information and to enter premises

        3. 62. Disclosure of tax information etc

        4. 63. Information for private pensions policy and retirement planning

        5. 64. Penalty for disclosure

      2. Objectives of the Regulator

        1. 65. Objectives of the Regulator

      3. Functions of the Pensions Ombudsman

        1. 66. Functions of the Pensions Ombudsman

    5. Chapter 5

      Duty to establish a pension scheme

      1. Pension scheme

        1. 67. Duty to establish a pension scheme

        2. 68. Scheme orders: general

        3. 69. Consultation of members and employers

        4. 70. Contribution limits

        5. 71. Procedure for scheme orders

        6. 72. Procedure for rules

        7. 73. Application of enactments

        8. 74. Review

      2. Trustee corporation

        1. 75. Trustee corporation

        2. 76. Functions

        3. 77. Application of pension trustee legislation

      3. Interpretation

        1. 78. Interpretation of Chapter

    6. Chapter 6

      Personal Accounts Delivery Authority

      1. Functions

        1. 79. Functions

        2. 80. Principles

        3. 81. Directions and guidance

        4. 82. Finance

        5. 83. Disclosure of information by the Regulator

      2. Constitution

        1. 84. Non-executive committee

        2. 85. Executive members

      3. Winding up

        1. 86. Winding up of the Authority

    7. Chapter 7

      Stakeholder pension schemes

      1. 87. Stakeholder pension schemes

    8. Chapter 8

      Application and interpretation

      1. Workers

        1. 88. “Employer”, “worker” and related expressions

        2. 89. Agency workers

        3. 90. Directors

        4. 91. Crown employment

        5. 92. Armed forces

        6. 93. House of Lords staff

        7. 94. House of Commons staff

        8. 95. Police

        9. 96. Persons working on vessels

        10. 97. Persons in offshore employment

        11. 98. Extension of definition of worker

      2. General

        1. 99. Interpretation of Part

  2. Part 2

    Simplification etc

    1. Private pensions

      1. 100. Abolition of safeguarded rights

      2. 101. Revaluation of accrued benefits etc

    2. State pensions etc

      1. 102. Consolidation of additional pension

      2. 103. Effect of entitlement to guaranteed minimum pension

      3. 104. Additional pension etc: minor and consequential amendments

      4. 105. State pension credit: extension of assessed income period for those aged 75 or over

      5. 106. Contracting-out: abolition of all protected rights

  3. Part 3

    Pension compensation

    1. Chapter 1

      Pension compensation on divorce etc

      1. 107. Scope of mechanism

      2. 108. Interpretation

      3. 109. Activation of pension compensation sharing

      4. 110. Activation of pension compensation sharing: supplementary (Scotland)

      5. 111. Creation of pension compensation debits and credits

      6. 112. Cash equivalents

      7. 113. Reduction of compensation

      8. 114. Time for discharge of liability

      9. 115. “Implementation period”

      10. 116. Discharge of liability

      11. 117. Charges in respect of pension compensation sharing costs

      12. 118. Supply of information about pension compensation in relation to divorce etc

      13. 119. Supply of information about pension compensation sharing

      14. 120. Pension compensation sharing and attachment on divorce etc

    2. Chapter 2

      Other provision about pension compensation

      1. 121. Charges in respect of pension sharing etc

      2. 122. Amendments of Schedule 7 to the Pensions Act 2004

      3. 123. Consequential amendments

  4. Part 4

    Financial assistance scheme

    1. 124. Financial assistance scheme

    2. 125. Restriction on purchase of annuities

  5. Part 5

    Miscellaneous

    1. Miscellaneous provision relating to pensions

      1. 126. Amendments of provisions of Pensions Act 2004 relating to contribution notices or financial support directions

      2. 127. Review of the initial operation of sections 38A and 38B of Pensions Act 2004

      3. 128. Pension sharing: power of Court of Session to extend time limits

      4. 129. Interest on late payment of levies

      5. 130. Payments to employers

      6. 131. Appointment of trustees

      7. 132. Intervention by Regulator where scheme’s technical provisions improperly determined

      8. 133. Delegation of powers by the Regulator

      9. 134. Exclusion of transfers out in certain cases

    2. State and official pensions

      1. 135. Additional Class 3 contributions

      2. 136. Additional Class 3 contributions (Northern Ireland)

      3. 137. Official pensions: adjustment of increases in survivors' pensions

      4. 138. War pensions: effect of later marriage or civil partnership

      5. 139. Polish Resettlement Act 1947: effect of residence in Poland

      6. 140. Pre-1948 insurance affecting German pension entitlement

      7. 141. Pre-1948 insurance: supplementary

    3. Information relating to state pension credit recipients

      1. 142. Disclosure of information relating to state pension credit recipients

  6. Part 6

    General

    1. 143. Orders and regulations

    2. 144. Orders and regulations: supplementary

    3. 145. Power to make further provision

    4. 146. Pre-consolidation amendments

    5. 147. General financial provisions

    6. 148. Repeals

    7. 149. Commencement

    8. 150. Extent

    9. 151. Short title

    1. Schedule 1

      The trustee corporation

      1. Part 1

        Members and employees

      2. Part 2

        Proceedings etc

      3. Part 3

        Money

      4. Part 4

        Supplementary

    2. Schedule 2

      Revaluation of accrued benefits etc

      1. Part 1

        Revaluation of accrued pension benefits

      2. Part 2

        Revaluation of accrued amounts etc

      3. Part 3

        Consequential amendments

    3. Schedule 3

      Consolidation of additional pension

    4. Schedule 4

      Additional pension etc: minor and consequential amendments

    5. Schedule 5

      Pension compensation payable on discharge of pension compensation credit

      1. Part 1

        Introductory

      2. Part 2

        Transferee attains pension compensation age before or on transfer day

      3. Part 3

        Transferee attains pension compensation age after transfer day

      4. Part 4

        Provisions applicable irrespective of age of transferee on transfer day

    6. Schedule 6

      Pension compensation on divorce etc: England and Wales

      1. Part 1

        Amendments of the Matrimonial Causes Act 1973

      2. Part 2

        Amendments of the Matrimonial and Family Proceedings Act 1984

      3. Part 3

        Amendments of the Civil Partnership Act 2004

    7. Schedule 7

      Pension compensation on divorce etc: Scotland

    8. Schedule 8

      Amendments of Schedule 7 to the Pensions Act 2004

    9. Schedule 9

      Contribution notices and financial support directions under Pensions Act 2004

    10. Schedule 10

      Interest on late payment of levies

    11. Schedule 11

      Repeals

      1. Part 1

        Pension scheme membership for jobholders

      2. Part 2

        Safeguarded rights

      3. Part 3

        Contracting-out: abolition of all protected rights

      4. Part 4

        Pension compensation

      5. Part 5

        Financial assistance scheme

      6. Part 6

        Miscellaneous

An Act to make provision relating to pensions; and for connected purposes.

[26th November 2008]

Be it enacted by the Queen’s most Excellent Majesty, by and with the advice and consent of the Lords Spiritual and Temporal, and Commons, in this present Parliament assembled, and by the authority of the same, as follows:—

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