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Joining a plan

If you are not already a member of a pension arrangement you should talk to your employer, a financial adviser or do some research on the internet to determine the options that are available to you.

Your options will depend on your work situation. If you are an employee you may be able to join a pension scheme sponsored by your employer. Employees in the public sector can join their public sector pension scheme. The self-employed can take out a personal pension. Personal Retirement Savings Accounts are open to virtually anyone to save for retirement.

Joining a plan also gives you the opportunity to provide financial protection for your dependants were you to die.

Employers' obligations to provide access

There is no legal obligation on an employer to set up or contribute to a pension scheme...

Eligibility

Your eligibility to join a pension scheme or take out a Retirement Annuity Contract or Personal Retirement Savings Account depends on your work situation...

Making decisions on joining

Depending on the type of pension arrangement you are joining or taking out, you may have to make certain decisions on joining...

Contributions

While some (“non-contributory”) schemes do not require members to pay contributions...

Equal Pension Treatment

The principle of equal pension treatment is that there should be no discrimination on any of the discriminatory grounds...

Part-time work/job-sharing

You are considered a part-time employee if your normal hours of work are less than the normal hours of work of full-time employees...

Fixed-term contract work

You are considered a fixed-term worker if your contract of employment is due to end when a specified date is reached...

Personalise now and find out more...

There is more information that you could learn about planning for retirement in relation to your specific situation.

But first you'll have to tell us more about yourself.