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644-70 | These amounts could be higher for you or your employer because of your pension scheme rules. They’re higher for most defined benefit pension schemes. | Workplace pensions | 644 | 70 | 217 | true |
644-71 | In some schemes, your employer has the option to pay in more than the legal minimum. In these schemes, you can pay in less as long as your employer puts in enough to meet the total minimum contribution. | Workplace pensions | 644 | 71 | 217 | true |
644-72 | If you’ve voluntarily enrolled in a workplace pension | Workplace pensions | 644 | 72 | 217 | true |
644-73 | Your employer must contribute the minimum amount if you earn more than: | Workplace pensions | 644 | 73 | 217 | true |
644-74 | £520 a month | Workplace pensions | 644 | 74 | 217 | true |
644-75 | £120 a week | Workplace pensions | 644 | 75 | 217 | true |
644-76 | £480 over 4 weeks | Workplace pensions | 644 | 76 | 217 | true |
644-77 | They do not have to contribute anything if you earn these amounts or less. | Workplace pensions | 644 | 77 | 217 | true |
644-78 | How your take-home pay changes | Workplace pensions | 644 | 78 | 217 | true |
644-79 | Joining a workplace pension scheme means that your take-home income will be reduced. But this may: | Workplace pensions | 644 | 79 | 217 | true |
644-80 | mean you’re entitled to tax credits or an increase in the amount of tax credits you get (although you may not get this until the next tax year) | Workplace pensions | 644 | 80 | 217 | true |
644-81 | mean you’re entitled to an income-related benefit or an increase in the amount of benefit you get | Workplace pensions | 644 | 81 | 217 | true |
644-82 | reduce the amount of student loan repayments you need to make | Workplace pensions | 644 | 82 | 217 | true |
644-83 | Payments using salary sacrifice | Workplace pensions | 644 | 83 | 217 | true |
644-84 | You and your employer may agree to use ‘salary sacrifice’ (sometimes known as a ‘SMART’ scheme). | Workplace pensions | 644 | 84 | 217 | true |
644-85 | If you do this, you give up part of your salary and your employer pays this straight into your pension. In some cases, this will mean you and your employer pay less tax and National Insurance. | Workplace pensions | 644 | 85 | 217 | true |
644-86 | Ask your employer if they use salary sacrifice. | Workplace pensions | 644 | 86 | 217 | true |
644-87 | Protection for your pension | Workplace pensions | 644 | 87 | 217 | true |
644-88 | How your pension is protected depends on the type of scheme. | Workplace pensions | 644 | 88 | 217 | true |
644-89 | Defined contribution pension schemes | Workplace pensions | 644 | 89 | 217 | true |
644-90 | If your employer goes bust | Workplace pensions | 644 | 90 | 217 | true |
644-91 | Defined contribution pensions are usually run by pension providers, not employers. You will not lose your pension pot if your employer goes bust. | Workplace pensions | 644 | 91 | 217 | true |
644-92 | If your pension provider goes bust | Workplace pensions | 644 | 92 | 217 | true |
644-93 | If the pension provider was authorised by the Financial Conduct Authority and cannot pay you, you can get compensation from the Financial Services Compensation Scheme (FSCS). | Workplace pensions | 644 | 93 | 217 | true |
644-94 | Trust-based schemes | Workplace pensions | 644 | 94 | 217 | true |
644-95 | Some defined contribution schemes are run by a trust appointed by the employer. These are called ‘trust-based schemes’. | Workplace pensions | 644 | 95 | 217 | true |
644-96 | You’ll still get your pension if your employer goes out of business. But you might not get as much because the scheme’s running costs will be paid by members’ pension pots instead of the employer. | Workplace pensions | 644 | 96 | 217 | true |
644-97 | Defined benefit pension schemes | Workplace pensions | 644 | 97 | 217 | true |
644-98 | Your employer is responsible for making sure there’s enough money in a defined benefit pension to pay each member the promised amount. | Workplace pensions | 644 | 98 | 217 | true |
644-99 | Your employer cannot touch the money in your pension if they’re in financial trouble. | Workplace pensions | 644 | 99 | 217 | true |
644-100 | You’re usually protected by the Pension Protection Fund if your employer goes bust and cannot pay your pension. | Workplace pensions | 644 | 100 | 217 | true |
644-101 | The Pension Protection Fund usually pays: | Workplace pensions | 644 | 101 | 217 | true |
644-102 | 100% compensation if you’ve reached the scheme’s pension age | Workplace pensions | 644 | 102 | 217 | true |
644-103 | 90% compensation if you’re below the scheme’s pension age | Workplace pensions | 644 | 103 | 217 | true |
644-104 | Fraud, theft or bad management | Workplace pensions | 644 | 104 | 217 | true |
644-105 | If there’s a shortfall in your company’s pension fund because of fraud or theft, you may be eligible for compensation from the Fraud Compensation Fund. | Workplace pensions | 644 | 105 | 217 | true |
644-106 | Contact one of the following organisations if you want to make a complaint about the way your workplace pension scheme is run: | Workplace pensions | 644 | 106 | 217 | true |
644-107 | the Pensions Advisory Service | Workplace pensions | 644 | 107 | 217 | true |
644-108 | the Pensions Ombudsman | Workplace pensions | 644 | 108 | 217 | true |
644-109 | Managing your pension | Workplace pensions | 644 | 109 | 217 | true |
644-110 | Your pension provider will send you a statement each year to tell you how much is in your pension pot. You can also ask them for an estimate of how much you’ll get when you start taking your pension pot. | Workplace pensions | 644 | 110 | 217 | true |
644-111 | What you see on your payslip | Workplace pensions | 644 | 111 | 217 | true |
644-112 | You do not need to do anything to get tax relief at the basic rate on your pension contributions. There are 2 types of arrangements: | Workplace pensions | 644 | 112 | 217 | true |
644-113 | net pay | Workplace pensions | 644 | 113 | 217 | true |
644-114 | relief at source | Workplace pensions | 644 | 114 | 217 | true |
644-115 | Check with your employer or pension provider which arrangement your workplace pension uses. This determines what you’ll see on your payslip. | Workplace pensions | 644 | 115 | 217 | true |
644-116 | ‘Net pay’ | Workplace pensions | 644 | 116 | 217 | true |
644-117 | Your employer takes your contribution from your pay before it’s taxed. You only pay tax on what’s left. This means you get full tax relief, no matter if you pay tax at the basic, higher or additional rate. | Workplace pensions | 644 | 117 | 217 | true |
644-118 | The amount you’ll see on your payslip is your contribution plus the tax relief. | Workplace pensions | 644 | 118 | 217 | true |
644-119 | You will not get tax relief if you do not pay tax, for example because you earn less than the tax threshold. | Workplace pensions | 644 | 119 | 217 | true |
644-120 | ‘Relief at source’ | Workplace pensions | 644 | 120 | 217 | true |
644-121 | Your employer takes your pension contribution after taking tax and National Insurance from your pay. However much you earn, your pension provider then adds tax relief to your pension pot at the basic rate. | Workplace pensions | 644 | 121 | 217 | true |
644-122 | With ‘relief at source’, the amount you see on your payslip is only your contributions, not the tax relief. | Workplace pensions | 644 | 122 | 217 | true |
644-123 | You may be able to claim money back if: | Workplace pensions | 644 | 123 | 217 | true |
644-124 | you pay higher or additional rate Income Tax | Workplace pensions | 644 | 124 | 217 | true |
644-125 | you pay higher or top rate Income Tax in Scotland | Workplace pensions | 644 | 125 | 217 | true |
644-126 | Tracing lost pensions | Workplace pensions | 644 | 126 | 217 | true |
644-127 | The Pension Tracing Service could help you find pensions you’ve paid into but lost track of. | Workplace pensions | 644 | 127 | 217 | true |
644-128 | Nominate someone to get your pension if you die | Workplace pensions | 644 | 128 | 217 | true |
644-129 | You may be able to nominate (choose) someone to get your pension if you die before reaching the scheme’s pension age. You can do this when you first join the pension or by writing to your provider. | Workplace pensions | 644 | 129 | 217 | true |
644-130 | Ask your pension provider if you can nominate someone and what they’d get if you die, for example regular payments or lump sums. Check your scheme’s rules about: | Workplace pensions | 644 | 130 | 217 | true |
644-131 | who you can nominate - some payments can only go to a dependant, for example your husband, wife, civil partner or child under 23 | Workplace pensions | 644 | 131 | 217 | true |
644-132 | whether anything can change what the person gets, for example when and how you start taking your pension pot, or the age you die | Workplace pensions | 644 | 132 | 217 | true |
644-133 | You can change your nomination at any time. It’s important to keep your nominee’s details up to date. | Workplace pensions | 644 | 133 | 217 | true |
644-134 | Sometimes the pension provider can pay the money to someone else, for example if the person you nominated cannot be found or has died. | Workplace pensions | 644 | 134 | 217 | true |
644-135 | Taking your pension | Workplace pensions | 644 | 135 | 217 | true |
644-136 | Most pension schemes set an age when you can take your pension, usually between 60 and 65. In some circumstances you can take your pension early. The earliest is usually 55. | Workplace pensions | 644 | 136 | 217 | true |
644-137 | Some companies offer to help you get money out of your pension before you’re 55. Taking your pension early in this way could mean you pay tax of up to 55%. | Workplace pensions | 644 | 137 | 217 | true |
644-138 | If the amount of money in your pension pot is quite small, you may be able to take it all as a lump sum. You can take 25% of it tax free, but you’ll pay Income Tax on the rest. | Workplace pensions | 644 | 138 | 217 | true |
644-139 | How you get money from your pension depends on the type of scheme you’re in. | Workplace pensions | 644 | 139 | 217 | true |
644-140 | Defined contribution pension schemes | Workplace pensions | 644 | 140 | 217 | true |
644-141 | You’ll need to decide how to take your money if you’re in a defined contribution pension scheme. | Workplace pensions | 644 | 141 | 217 | true |
644-142 | Defined benefit pension schemes | Workplace pensions | 644 | 142 | 217 | true |
644-143 | You may be able to take some money as a tax-free lump sum if you’re in a defined benefit pension scheme - check with your pension provider. You’ll get the rest as a guaranteed amount each year. | Workplace pensions | 644 | 143 | 217 | true |
644-144 | Changing jobs and taking leave | Workplace pensions | 644 | 144 | 217 | true |
644-145 | If you change jobs | Workplace pensions | 644 | 145 | 217 | true |
644-146 | Your workplace pension still belongs to you. If you do not carry on paying into the scheme, the money will remain invested and you’ll get a pension when you reach the scheme’s pension age. | Workplace pensions | 644 | 146 | 217 | true |
644-147 | You can join another workplace pension scheme if you get a new job. | Workplace pensions | 644 | 147 | 217 | true |
644-148 | If you do, you might be able to: | Workplace pensions | 644 | 148 | 217 | true |
644-149 | carry on making contributions to your old pension | Workplace pensions | 644 | 149 | 217 | true |
644-150 | combine the old and new pension schemes | Workplace pensions | 644 | 150 | 217 | true |
644-151 | Ask your pension providers about your options. | Workplace pensions | 644 | 151 | 217 | true |
644-152 | If you move jobs but pay into an old pension, you may not get some of that pension’s benefits - check if they’re only available to current workers. | Workplace pensions | 644 | 152 | 217 | true |
644-153 | If you worked at your job for less than 2 years before you left | Workplace pensions | 644 | 153 | 217 | true |
644-154 | If you were in a defined benefit pension scheme for less than 2 years, you might be able to either: | Workplace pensions | 644 | 154 | 217 | true |
644-155 | get a refund on what you contributed | Workplace pensions | 644 | 155 | 217 | true |
644-156 | transfer the value of its benefits to another scheme (a ‘cash sum transfer’) | Workplace pensions | 644 | 156 | 217 | true |
644-157 | This depends on the type of defined benefit scheme and its rules. Check with your employer or the pension scheme provider. | Workplace pensions | 644 | 157 | 217 | true |
644-158 | Paid leave | Workplace pensions | 644 | 158 | 217 | true |
644-159 | During paid leave, you and your employer carry on making pension contributions. | Workplace pensions | 644 | 159 | 217 | true |
644-160 | The amount you contribute is based on your actual pay during this time, but your employer pays contributions based on the salary you would have received if you were not on leave. | Workplace pensions | 644 | 160 | 217 | true |
644-161 | Maternity and other parental leave | Workplace pensions | 644 | 161 | 217 | true |
644-162 | You and your employer will continue to make pension contributions if you’re getting paid during maternity leave. | Workplace pensions | 644 | 162 | 217 | true |
644-163 | If you’re not getting paid, your employer still has to make pension contributions in the first 26 weeks of your leave (‘Ordinary Maternity Leave’). They have to carry on making contributions afterwards if it’s in your contract. Check your employer’s maternity policy. | Workplace pensions | 644 | 163 | 217 | true |
644-164 | Unpaid leave | Workplace pensions | 644 | 164 | 217 | true |
644-165 | You may be able to make contributions if you want to - check with your employer or the pension scheme provider. | Workplace pensions | 644 | 165 | 217 | true |
644-166 | If you become self-employed or stop working | Workplace pensions | 644 | 166 | 217 | true |
644-167 | You may be able to carry on contributing to your workplace pension - ask the scheme provider. | Workplace pensions | 644 | 167 | 217 | true |
644-168 | You could use the National Employment Saving Trust (NEST) - a workplace pension scheme that working self-employed people or sole directors of limited companies can use. | Workplace pensions | 644 | 168 | 217 | true |
644-169 | You could set up a personal or stakeholder pension. | Workplace pensions | 644 | 169 | 217 | true |