I’ve been reading your recent articles in The Irish Times about auto-enrolment and I see that you say anyone without a private pension will be auto-enrolled.
As I work for four individual sole traders and none of them have ever offered any benefits such as pension, health insurance etc, I have had to do these things for myself and several years ago started a small private pension.
Does this mean that despite the auto-enrolment scheme now coming into place, my employers still have no obligation to contribute? Or is there some way for me to become auto-enrolled despite having this other small pension? I did have previous company pensions but no employer contribution for the last 9.5 years.
Ms O.H.
You are very much the template for the modern worker, someone who can move jobs over the course of their career or who operates as a portfolio worker, working for a number of different employers at the same time.
Auto-enrolment does look to accommodate people in that position. Its ground rules set down a €20,000 salary threshold which operates across all employments, as long as you are aged between 23 and 60.
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