If you have registered with HM Revenue and Taxes (HMRC) to have fixed protection or enhanced protection, automatic enrolment may affect you.
Definition of fixed protection and enhanced protection
Since the abolition of the Lifetime Allowance in April 2024, fixed and enhanced protections maintain a higher tax-free lump sum allowance and lump sum death benefit allowance.
These amounts are secure, subject to satisfying HMRC conditions relating to further benefit accrual. If these conditions are broken, the protection may be lost. Find out about losing your pension protected allowances on the GOV.UK website
How automatic enrolment affects fixed or enhanced protection
From October 2012 employers must automatically enrol workers into a workplace pension scheme, if they meet certain criteria. If you are automatically enrolled you may lose your fixed or enhanced protection unless you opt out promptly. Find out about opting out
Employers must re-enrol workers into a workplace pension scheme every 3 years. You will need to opt out every time this happens if you do not want to lose your fixed or enhanced protection.