Umbrella FAQ's

Yes. All employers have to provide a workplace pension scheme for eligible employees.

Auto-enrolment into a workplace pension scheme is required by law, but you can opt out any time you want.

An eligible job holder is anyone over 22 – but under state pension age – who earns over the annual pension earnings trigger in the UK.

Yes. If you are auto-enrolled into your umbrella employer’s workplace pension scheme, you can opt out at any time.

An opt-out from the pension scheme normally lasts for three years.

As an umbrella employee, there are some benefits available to you that can provide tax and NI savings via your payslip, For example: Pension salary sacrifice and a Cycle to work scheme.

Yes, but exactly when you can re-join depends on your employer.

Pension contributions can be calculated in different ways, but there are minimum total contributions levels that must be paid under automatic enrolment.

Some umbrella employers offer the option of salary sacrifice as part of their own independently administered pension scheme.

Key Information Documents were introduced on 6th April 2020 and is an attempt to increase pay transparency for umbrella employees and provide key information to them regarding their assignments.