Employee access
You may not have to provide access to a stakeholder pension for all of your employees. You do not have to provide access for any employee:
- who has worked for you for less than three months in a row
- who is a member of your occupational pension scheme
- who cannot join your occupational scheme because they are under 18 or they are within five years of the scheme's normal pension age
- who decided not to join your occupational pension scheme
- whose earnings have fallen below the National Insurance lower earnings limit for one or more weeks within the last 3 months
- who cannot join a stakeholder pension scheme because of HM Revenue & Customs restrictions (for example, the employee does not normally live in the UK)
For more information you can read or print a copy of Stakeholder pensions - a guide for employers