Planning your pension journey

Back Submit Wait until I'm auto-enrolled? Next steps

If you are not already contributing to a BOC pension scheme, you will be auto-enrolled and become a member of the RS Plan on the date specified in your Joiner letter.

What happens if...

...I want to join now? ...I wait until I'm auto-enrolled? ...I don't want to join?

What if I want to join now?

You can join the RS Plan now by filling in a Joiner Form.

What if I wait until I'm auto-enrolled?

You don’t need to do anything now. Your pension journey will start automatically on the date specified in your Joiner letter, when you are auto-enrolled.

What if I don't want to join?

You will need to complete and return an Opt out form.

What happens next will depend on your circumstances...

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Under 22

Once you turn 22 we will assess your earnings each month and if you earn more than £787 per month (£182 per week) we will enrol you back into the RS Plan.

Between 22 and State Pension Age and earn more than £9,440

We will enrol you back into the RS Plan three years after your start date.

Between 22 and State Pension Age and earn less than £9,440

We will assess your earnings each month. If your earnings increase to more than £787 a month (£182 a week) we will enrol you back into RS Plan.
(You can opt out again if this happens.)

Over State Pension Age

We will not enrol you back into RS Plan in the future — but you can join at any time.

Your options

  • You will automatically join the AE section on the date specified in your Joiner letter. You don’t need to do anything in order to join.
  • If you would like to join before this, complete and return a Joiner Form to BOC Pension Services.
  • If you do not want to be a member of the RS Plan you can opt out.

Finding out more

  • Watch the videos and use the modeller on the new joiner homepage.
  • Read the New Joiner Guide.
  • If you have any questions, you can contact us.
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