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Joining a plan


Your eligibility to join a pension scheme or take out a Retirement Annuity Contract or Personal Retirement Savings Account depends on your work situation and the rules of any particular scheme or pension contract.

If you may be eligible to join an occupational pension scheme and haven't been provided with any information, you should ask your employer if there is a pension scheme, what sort of scheme it is, and whether you can join.

Alternatively you could take out a Retirement Annuity Contract if you have earnings from non-pensionable employment or self-employment.

A Personal Retirement Savings Account can be taken out by virtually anyone, even if you don't currently have relevant earnings.