Pension Automatic Re-Enrolment - July 2025
If you are already a member of the NHS Pension Scheme or NEST you will not be affected by this, nothing will change and you do not need to do anything. However if you are NOT a member this could affect you so please take time to read.
Every three years the Trust must re-enrol all eligible staff who meet qualifying conditions back into a Pension scheme. The next enrolment date for the Trust is the 01/07/2025. If you are not currently a member of a pension scheme you may be enrolled into a scheme on this date. If you are enrolled, you will receive a letter from the trust informing you of this.
To be eligible for automatic enrolment you must be:
- Aged between 22 and State Pension Age
- Earn at least £10,000 a year, £833.33 a month or £192.30 a week.
If you have opted out of a Pension scheme with the Trust within 12 months of the re-enrolment date you will not be re-enrolled. You cannot opt out of the enrolment process, but you can opt out of the Pension scheme after being enrolled.
To opt out of the NHS Pension scheme you will need to complete a sd502 form which you can download from the NHS pensions website. Completed forms should then be sent to UHDB Pensions team uhdb.pensions@nhs.net.
IMPORTANT: Any opt out forms received by the Pensions office or signed and dated before the enrolment date cannot be processed. The forms will be destroyed, and you would not be opted out of the Pension Scheme.
You cannot opt out of the NEST Pension Scheme until after you have received a welcome pack from NEST. The welcome pack contains your NEST ID which you will need to quote to opt out of the scheme either online or over the phone. This must be done via NEST, opt outs cannot be authorised by the UHDB Pensions Team.
If you are not automatedly enrolled into a Pension scheme you can still join a scheme by completing a joiner form which you can request form the Pensions Team.
To help you decide if you wish to stay in either pension scheme once enrolled please see the information below and also more detailed information on the schemes and benefits are available at Member hub | NHSBSA for the NHS Pension Scheme and for NEST Workplace Pension Scheme | Nest Pensions.
How much will it cost?
NHS Pension Scheme
NEST
The contribution rate tiers will be reassessed due to the national pay award and will be updated when the pay award is processed. The employers contribution to the NHS Pension Scheme is 23.7%.