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644-170 | You can get help with your workplace pension options. | Workplace pensions | 644 | 170 | 217 | true |
644-171 | If you want to leave your workplace pension scheme | Workplace pensions | 644 | 171 | 217 | true |
644-172 | What you do if you want to leave a workplace pension depends on whether you’ve been ‘automatically enrolled’ in it or not. | Workplace pensions | 644 | 172 | 217 | true |
644-173 | If you have not been automatically enrolled | Workplace pensions | 644 | 173 | 217 | true |
644-174 | Check with your employer - they’ll tell you what to do. | Workplace pensions | 644 | 174 | 217 | true |
644-175 | If you’ve been automatically enrolled | Workplace pensions | 644 | 175 | 217 | true |
644-176 | Your employer will have sent you a letter telling you that you’ve been added to the scheme. | Workplace pensions | 644 | 176 | 217 | true |
644-177 | You can leave (called ‘opting out’) if you want to. | Workplace pensions | 644 | 177 | 217 | true |
644-178 | If you opt out within a month of your employer adding you to the scheme, you’ll get back any money you’ve already paid in. | Workplace pensions | 644 | 178 | 217 | true |
644-179 | You may not be able to get your payments refunded if you opt out later - they’ll usually stay in your pension until you retire. | Workplace pensions | 644 | 179 | 217 | true |
644-180 | You can opt out by contacting your pension provider. Your employer must tell you how to do this. | Workplace pensions | 644 | 180 | 217 | true |
644-181 | Reducing your payments | Workplace pensions | 644 | 181 | 217 | true |
644-182 | You may be able to reduce the amount you contribute to your workplace pension for a short time. Check with both your employer and your pension provider to see if you can do this and how long you can do it for. | Workplace pensions | 644 | 182 | 217 | true |
644-183 | Opting back in | Workplace pensions | 644 | 183 | 217 | true |
644-184 | You can do this at any time by writing to your employer. They do not have to accept you back into their workplace scheme if you’ve opted in and then opted out in the past 12 months. | Workplace pensions | 644 | 184 | 217 | true |
644-185 | Rejoining the scheme automatically | Workplace pensions | 644 | 185 | 217 | true |
644-186 | Your employer will automatically re-enrol you in the scheme. They must do this either every 3 years (from the date you first enrolled), or they can choose to do it sooner. They’ll write to you when they do this. | Workplace pensions | 644 | 186 | 217 | true |
644-187 | When you do not rejoin automatically | Workplace pensions | 644 | 187 | 217 | true |
644-188 | If you no longer qualify for the scheme, you will not be automatically re-enrolled. | Workplace pensions | 644 | 188 | 217 | true |
644-189 | If you chose to leave the scheme in the 12 months before the date you would have been re-enrolled, your employer does not have to automatically re-enrol you. But they can choose to re-enrol you. | Workplace pensions | 644 | 189 | 217 | true |
644-190 | Get help | Workplace pensions | 644 | 190 | 217 | true |
644-191 | For questions about the specific terms of your workplace pension scheme, talk to your pension provider or your employer. | Workplace pensions | 644 | 191 | 217 | true |
644-192 | You can get free, impartial information about your workplace pension options from: | Workplace pensions | 644 | 192 | 217 | true |
644-193 | the Money Advice Service | Workplace pensions | 644 | 193 | 217 | true |
644-194 | the Pensions Advisory Service | Workplace pensions | 644 | 194 | 217 | true |
644-195 | Pension Wise if you’re in a defined contribution pension scheme | Workplace pensions | 644 | 195 | 217 | true |
644-196 | You can get impartial advice about workplace pensions from an independent financial adviser. You’ll usually have to pay for the advice. | Workplace pensions | 644 | 196 | 217 | true |
644-197 | For general questions on workplace pensions contact the DWP Workplace Pension Information Line. | Workplace pensions | 644 | 197 | 217 | true |
644-198 | Only use the information line if you’re a worker - employers should contact The Pensions Regulator. | Workplace pensions | 644 | 198 | 217 | true |
644-199 | Problems with being ‘automatically enrolled’ | Workplace pensions | 644 | 199 | 217 | true |
644-200 | Contact the The Pensions Regulator if you have concerns about the way your employer is dealing with automatic enrolment. | Workplace pensions | 644 | 200 | 217 | true |
644-201 | The Pensions Advisory Service may also be able to help you. | Workplace pensions | 644 | 201 | 217 | true |
644-202 | If you’re already paying into a personal pension | Workplace pensions | 644 | 202 | 217 | true |
644-203 | Check whether it’s better for you to: | Workplace pensions | 644 | 203 | 217 | true |
644-204 | carry on with just your personal pension | Workplace pensions | 644 | 204 | 217 | true |
644-205 | stop paying into your personal pension and join your workplace pension | Workplace pensions | 644 | 205 | 217 | true |
644-206 | keep paying into both | Workplace pensions | 644 | 206 | 217 | true |
644-207 | If you’re saving large amounts in pensions | Workplace pensions | 644 | 207 | 217 | true |
644-208 | You may have to pay a tax charge if your total savings in workplace pensions and any other personal pension scheme go above your: | Workplace pensions | 644 | 208 | 217 | true |
644-209 | lifetime allowance - £1,055,000 | Workplace pensions | 644 | 209 | 217 | true |
644-210 | annual allowance - usually the lowest out of £40,000 or 100% of your annual income | Workplace pensions | 644 | 210 | 217 | true |
644-211 | If you start taking your pension pot your annual allowance could drop to as low as £4,000. | Workplace pensions | 644 | 211 | 217 | true |
644-212 | If your pension scheme is closing | Workplace pensions | 644 | 212 | 217 | true |
644-213 | This can happen if your employer decides they do not want to use a scheme anymore or they can no longer pay their contributions. What happens to the money you paid in depends on the pension scheme you’ve joined. | Workplace pensions | 644 | 213 | 217 | true |
644-214 | If you’ve been automatically enrolled, your employer cannot close a pension scheme without automatically enrolling you into another one. | Workplace pensions | 644 | 214 | 217 | true |
644-215 | If you’re getting a divorce | Workplace pensions | 644 | 215 | 217 | true |
644-216 | You and your spouse or partner will have to tell the court the value of each of your pension pots. You then have different options to work out what happens to your pension when you get a divorce. | Workplace pensions | 644 | 216 | 217 | true |
645-0 | Getting agreement | Changing an employment contract | 645 | 0 | 63 | true |
645-1 | Usually, the employer and employee both need to agree to any contract changes. But an employee can insist on a change if they have a legal right to it. | Changing an employment contract | 645 | 1 | 63 | true |
645-2 | Employers | Changing an employment contract | 645 | 2 | 63 | true |
645-3 | You must get an employee’s agreement if you want to make changes to their contract. | Changing an employment contract | 645 | 3 | 63 | true |
645-4 | You should: | Changing an employment contract | 645 | 4 | 63 | true |
645-5 | consult or negotiate with employees or their representatives (for example from a trade union or staff association) | Changing an employment contract | 645 | 5 | 63 | true |
645-6 | explain the reasons for changes | Changing an employment contract | 645 | 6 | 63 | true |
645-7 | listen to alternative ideas from employees | Changing an employment contract | 645 | 7 | 63 | true |
645-8 | You may also want to talk with workers, asking them about their future plans. With older employees this can include talking about their thoughts on retirement and their options for staying in the job, for example changes to their role, hours or working pattern. | Changing an employment contract | 645 | 8 | 63 | true |
645-9 | Employees | Changing an employment contract | 645 | 9 | 63 | true |
645-10 | Explain to your employer why you want to make the changes. You can insist on a change if it’s covered by a statutory right - for example not working on a Sunday. | Changing an employment contract | 645 | 10 | 63 | true |
645-11 | Making changes | Changing an employment contract | 645 | 11 | 63 | true |
645-12 | Once employers have agreed on changes with their staff, they need to: | Changing an employment contract | 645 | 12 | 63 | true |
645-13 | update the terms of their employees’ ‘written statement’ of employment conditions | Changing an employment contract | 645 | 13 | 63 | true |
645-14 | write to their employees within a month to tell them exactly what has changed | Changing an employment contract | 645 | 14 | 63 | true |
645-15 | If an employer changes terms and conditions that are not in the written statement (for example the right to sick leave), they should tell their employees where to find information about the change. This could be in a company handbook, noticeboard or intranet site. | Changing an employment contract | 645 | 15 | 63 | true |
645-16 | Collective agreements | Changing an employment contract | 645 | 16 | 63 | true |
645-17 | Employers must write to their staff to let them know about any changes to collective agreements with trade unions or staff associations. | Changing an employment contract | 645 | 17 | 63 | true |
645-18 | These changes might affect the terms of employees’ written statements, including pay and working hours, whether or not they’re a member of the union or staff association. | Changing an employment contract | 645 | 18 | 63 | true |
645-19 | Flexibility clauses | Changing an employment contract | 645 | 19 | 63 | true |
645-20 | Flexibility clauses are terms in a contract that give employers the right to change some conditions of employment, for example relocation. | Changing an employment contract | 645 | 20 | 63 | true |
645-21 | Employers can only use flexibility clauses to make reasonable changes. | Changing an employment contract | 645 | 21 | 63 | true |
645-22 | Changes of employer | Changing an employment contract | 645 | 22 | 63 | true |
645-23 | If someone starts working for a different employer, they’ll normally have to be given a new written statement within 2 months. | Changing an employment contract | 645 | 23 | 63 | true |
645-24 | However, if the name of a business changes or there’s a new employer but no other changes in terms and conditions, the employer does not need to issue a new written statement. They still need to write to their staff about the changes within a month. | Changing an employment contract | 645 | 24 | 63 | true |
645-25 | Disciplinary measures | Changing an employment contract | 645 | 25 | 63 | true |
645-26 | Sometimes changes to an employee’s terms and conditions, like a demotion, can happen as a result of a disciplinary measure. | Changing an employment contract | 645 | 26 | 63 | true |
645-27 | Employers should make sure the staff handbook or intranet site contains information about how this could happen in the section dealing with disciplinary procedures. | Changing an employment contract | 645 | 27 | 63 | true |
645-28 | Dealing with problems | Changing an employment contract | 645 | 28 | 63 | true |
645-29 | Problems can arise if: | Changing an employment contract | 645 | 29 | 63 | true |
645-30 | an employer tries to change a contract without agreement, or re-employs someone on new terms and conditions | Changing an employment contract | 645 | 30 | 63 | true |
645-31 | there is a breach of contract where one of the terms in a contract is broken (for example an employer does not pay agreed wages or employees do not work agreed hours) | Changing an employment contract | 645 | 31 | 63 | true |
645-32 | Solving disputes | Changing an employment contract | 645 | 32 | 63 | true |
645-33 | Employers and their staff should try to solve disputes about contract changes by talking informally or through mediation. | Changing an employment contract | 645 | 33 | 63 | true |
645-34 | Employees can also get advice from their trade union representative (if they’re a member of a union), Citizen’s Advice or Acas (Advisory, Conciliation and Arbitration Service). In Northern Ireland, they can get advice from the Labour Relations Agency (LRA) . | Changing an employment contract | 645 | 34 | 63 | true |
645-35 | If the problem cannot be solved, employers or employees may have the right to take legal action. It’s important to get advice first because legal action can be expensive. Trade union members may be able to get legal advice from their union. | Changing an employment contract | 645 | 35 | 63 | true |
645-36 | Making a change without agreement | Changing an employment contract | 645 | 36 | 63 | true |
645-37 | If an employer makes a change to a contract without getting agreement (including by using flexibility clauses unreasonably), employees may: | Changing an employment contract | 645 | 37 | 63 | true |
645-38 | have the right to refuse to work under the new conditions | Changing an employment contract | 645 | 38 | 63 | true |
645-39 | say that they’re working any new terms under protest, and are treating the change as a breach of contract | Changing an employment contract | 645 | 39 | 63 | true |
645-40 | resign and claim constructive dismissal | Changing an employment contract | 645 | 40 | 63 | true |
645-41 | be able to take a case to an employment tribunal | Changing an employment contract | 645 | 41 | 63 | true |
645-42 | In Northern Ireland an employment tribunal is known as an ‘industrial tribunal’. | Changing an employment contract | 645 | 42 | 63 | true |
645-43 | If an employee disagrees with new terms and conditions but does not say or do anything, this may count as agreeing to the changes. | Changing an employment contract | 645 | 43 | 63 | true |
645-44 | Re-employment on new terms and conditions | Changing an employment contract | 645 | 44 | 63 | true |
645-45 | Employers may, as a last resort, end a contract and re-employ someone on new terms and conditions. | Changing an employment contract | 645 | 45 | 63 | true |
645-46 | Employers who are dismissing employees must follow the legally required: | Changing an employment contract | 645 | 46 | 63 | true |
645-47 | redundancy procedure in England, Wales and Scotland | Changing an employment contract | 645 | 47 | 63 | true |
645-48 | statutory minimum dismissal in Northern Ireland | Changing an employment contract | 645 | 48 | 63 | true |
645-49 | If an employer does dismiss and re-employ someone, they may be able to take a case to a tribunal and claim: | Changing an employment contract | 645 | 49 | 63 | true |
645-50 | breach of contract | Changing an employment contract | 645 | 50 | 63 | true |
645-51 | unfair dismissal | Changing an employment contract | 645 | 51 | 63 | true |
645-52 | Breach of contract claims | Changing an employment contract | 645 | 52 | 63 | true |