The Occupational and Personal Pension Schemes (Automatic Enrolment) Regulations 2010

1. Introductory Text

2. PART 1 Citation, commencement and interpretation

   1. 1. Citation, commencement and interpretation

   2. 2. Enrolment information

   3. 3. Jobholder information

   4. 4. Pay reference periods for the purposes of section 1(1)(c) of the Act

   5. 5. Pay reference periods for the purposes of section 20(1)(b) and (c) and section 26(4)(b) and (5)(b) of the Act

3. PART 2 Automatic enrolment, opt out and refunds

   1. 6.–8. Arrangements to achieve active membership

   2. 9.–10. Opting Out

   3. 11. Refunds

4. PART 3 Automatic re-enrolment

   1. 12. Automatic re-enrolment dates

   2. 13. Arrangements to achieve active membership

   3. 14. Jobholders excluded from automatic re-enrolment

   4. 15. Opting out

   5. 16. Refunds

5. PART 4 Jobholders opting in to pension saving

   1. 17. Information on the right to opt in to pension saving

   2. 18. Opt in notices and arrangements to achieve active membership

   3. 19. Opting out

   4. 20. Refunds

6. PART 5 Workers joining pension saving

   1. 21. Information

   2. 22. Form and content of joining notices

   3. 23. Arrangements to achieve active membership

7. PART 6 Postponement of automatic enrolment

   1. 24. Information

   2. 25. Postponement of the automatic enrolment date

   3. 26. Cases in which automatic enrolment may be postponed

8. PART 7 Automatic enrolment following the transitional period for defined benefit and hybrid schemes

   1. 27. Information

   2. 28.–29. Arrangements to achieve active membership

   3. 30.–31. Opting out

   4. 32. Refunds

9. PART 8 Existing members of qualifying schemes

   1. 33. Information

   2. 34. Continuity of scheme membership

10. PART 9 Automatic enrolment schemes

    1. 35. Further conditions applicable to automatic enrolment schemes

11. PART 10 Exclusion as a qualifying scheme

    1. 36. Certain schemes providing average salary benefits excluded from being qualifying schemes

12. PART 11 Test Scheme

    1. 37. Test scheme: requirements to revalue accrued benefits and increase pensions in payment

    2. 38. Staged increase in appropriate age

    3. 39. Requirements for meeting the test scheme standard

13. PART 12 Hybrid schemes

    1. 40. Interpretation

    2. 41. Modification of test scheme standard: money purchase benefit lump sum accruals

    3. 42. Modification of test scheme standard: final salary lump sum accruals

    4. 43. Modification allowing different quality requirements to be satisfied in aggregate

14. PART 13 Non-UK Pension Schemes

    1. 44. Description of an occupational pension scheme with its main administration outside the EEA States

    2. 45.–46. Quality requirements: non-UK occupational pension schemes

    3. 47. Prescribed requirements for non-UK qualifying schemes

15. PART 14 Due dates

    1. 48. Amendment of the Occupational Pension Schemes (Scheme Administration) Regulations 1996

    2. 49. Amendment of the Personal Pension Schemes (Payments by Employers) Regulations 2000

    3. 50. Due Date for the purposes of section 37(3) of the Act

16. Signature

17. 1. SCHEDULE

       Form of opt out notice

18. Explanatory Note