FAQs
Frequently Asked Questions
Under UK law, eligible workers must be automatically enrolled into a workplace pension scheme.
You will be enrolled if you:
- Are aged between 22 and State Pension age
- Earn above the qualifying earnings threshold
- Are working in the UK under your contract
Sapphire’s workplace pension provider is Smart Pensions, and they will send you an email within a week of your first payment with Sapphire with full details. If you are not able to locate this email you can find a copy of the email in the Smart Pensions portal here.
You can log into your Smart Pension portal by clicking here using the details provided in your welcome letter.
The overall contribution is 8%, which is made up of a 3% employer contribution and 5% employee contribution.
Yes. Automatic enrolment is a legal requirement under UK pensions legislation, and Sapphire is required to comply with these obligations.
The amount depends on your qualifying earnings and pension contribution rates. The contributions will be clearly displayed on your pay slip. You can see an example by viewing our pay slip guide
No. While enrolment is mandatory, staying in the scheme is your choice- you can opt out if you wish but only after you have been enrolled. Smart Pensions will confirm the process for opting out in their communication to you.
Yes, you can opt back in at any time by contacting the pension provider or Sapphire.
No. If your employment with Sapphire continues, your pension remains active and contributions will resume when you are paid again (subject to eligibility).
Yes. Under UK law, eligible workers are re-enrolled approximately every three years, even if they have previously opted out.
Your pension remains yours. Contributions stop if you are no longer paid, but your pension pot stays invested with the provider.
Yes. You may choose to make contributions to a private or personal pension in addition to your workplace pension, subject to your own financial circumstances and applicable tax rules.
The workplace pension is part of a statutory enrolment requirement for eligible workers and includes employer contributions.
If you already have a private or personal pension, you may wish to consider how these fit with your overall financial arrangements. However, any decision to opt out of the workplace pension is a personal choice and should be made based on your individual circumstances.
