Pensions Reform / Auto Enrolment

From sometime between 2012 and 2018, employers will have to automatically enrol all eligible employees in a qualifying pension scheme and make contributions to their pension. For full details, including expert views, take a look at our dedicated Pensions Reform website.

Pensions Reform website

Our Pensions Reform website contains useful tools, support material, information and an "Ask our experts" section, where you can submit questions and receive an individual response.

Tools

Ask our experts

Anyone can submit a question about Pensions Reform and one of our pension specialists will provide an individual response. There is also a FAQ section containing common questions and answers.

Support material

  • Adviser support material - Adviser Step-by-Step Guide; Sample letters; Case Studies
  • Employer support material - Employer Guide; Details on actions and responsibilities; Staging dates for employers; Summary of the legislative changes; Implementation plan and timeline; Case Studies
  • Employee support material - Summary of changes; Access to other Scottish Widows tools; Case Studies
  • Other - A glossary of terms; Dedicated libraries of pdfs; A list of useful websites

As part of the Lloyds Banking Group, Scottish Widows is proud to be an Official Provider of the London 2012 Olympic and Paralympic Games.

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Scottish Widows plc, registered in Scotland number 199549. Registered office in the United Kingdom at 69 Morrison Street, Edinburgh EH3 8YF. Telephone: 0131 655 6000. Scottish Widows plc is authorised and regulated by the Financial Services Authority. Our FSA register number is 191517.

Scottish Widows Unit Trust Managers Limited, registered in England and Wales number 1629925. Registered office in the United Kingdom at Charlton Place, Andover, Hampshire SP10 1RE. Telephone: 0845 300 2244. Scottish Widows Unit Trust Managers Limited is authorised and regulated by the Financial Services Authority. Our FSA register number is 122129.

Clerical Medical Investment Group Limited, registered in England and Wales number 3196171. Registered office in the United Kingdom at 33 Old Broad Street, London EC2N 1HZ. Authorised and regulated by the Financial Services Authority. Our FSA register number is 181655.

CMI Insurance Company Limited. Scottish Widows is a trading name of CMI Insurance Company Limited. CMI Insurance Company Limited, registered in Isle of Man number 33520. Registered office in the Isle of Man at Clerical Medical House, Victoria Road, Douglas, Isle of Man, IM99 1LT.

HBOS Investment Fund Managers Limited, registered in England number 941082. Registered office in the United Kingdom at Trinity Road, Halifax, West Yorkshire HX1 2RG. HBOS Investment Fund Managers Limited is authorised and regulated by the Financial Services Authority.

St Andrews Life Assurance plc, registered in England and Wales number 3104670. Registered office in the United Kingdom at 33 Old Broad Street, London EC2N 1HZ. Authorised and regulated by the Financial Services Authority. Our FSA register number is 189101.

Scottish Widows Bank plc, registered in Scotland no. 154554. Registered office in the United Kingdom at PO Box 12757, 67 Morrison Street, Edinburgh EH3 8YJ. Scottish Widows Bank plc is authorised and regulated by the Financial Services Authority. Our FSA register number is 201601. The main business of Scottish Widows Bank is arranging, entering into and administering mortgages and accepting deposits.

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