What’s Included
Seven modules covering everything your employees need to understand about their workplace pension. Approximately 50 minutes total, designed to be completed in one sitting or spread across multiple sessions.
Module 1: Auto-Enrolment
Duration: 8 minutes | Quiz: 5 questions (80% pass mark)
[IMAGE PLACEHOLDER: Screenshot or illustration of auto-enrolment module interface]
What employees will learn:
- What auto-enrolment is and why it was introduced
- Why money is automatically taken from their pay
- The consequences of opting out (and why it’s almost always a bad idea)
- How employer contributions work – it’s free money
- Re-enrolment: why opted-out employees are put back in every three years
This module addresses the most common employee questions about why pension contributions appear on their payslip and what happens if they opt out.
Module 2: Understanding Contributions
Duration: 7 minutes | Quiz: 5 questions (80% pass mark)
[IMAGE PLACEHOLDER: Visual showing contribution breakdown – employee, employer, tax relief]
What employees will learn:
- How contributions are calculated (qualifying earnings explained simply)
- The minimum contribution rates (employee, employer, total)
- Tax relief – the government adds money to your pension
- Why increasing your contribution rate matters more than you think
- Employer matching – getting the most from your benefits
Module 3: Salary Sacrifice
Duration: 6 minutes | Quiz: 4 questions (75% pass mark)
[IMAGE PLACEHOLDER: Salary sacrifice comparison diagram showing NI savings]
What employees will learn:
- What salary sacrifice means in plain English
- How it saves National Insurance for both employee and employer
- The impact on take-home pay vs pension pot
- Potential impacts on benefits and mortgage applications
- When salary sacrifice might not be right for you
Note: This module is only relevant if your company offers salary sacrifice. Let us know and we can exclude it from your package if needed. Training time reduces to approximately 44 minutes.
Module 4: The State Pension
Duration: 7 minutes | Quiz: 5 questions (80% pass mark)
[IMAGE PLACEHOLDER: State Pension vs workplace pension visual comparison]
What employees will learn:
- What the State Pension is and how it differs from workplace pensions
- Qualifying years – how to build entitlement through National Insurance
- Current State Pension age and planned increases
- How much the State Pension pays (and why it’s not enough on its own)
- How to check your State Pension forecast online
- How workplace and State Pensions work together
Why this matters: Research shows 57% of UK employees don't know how much they need to save for a comfortable retirement. Understanding the State Pension foundation helps employees plan realistically.
Module 5: Retirement Options
Duration: 10 minutes | Quiz: 6 questions (80% pass mark)
[IMAGE PLACEHOLDER: Retirement options flowchart – lump sum, drawdown, annuity]
What employees will learn:
- When you can access your pension (age 55, rising to 57 in 2028)
- The 25% tax-free lump sum
- Drawdown vs annuity – the key decision explained
- How pension income is taxed
- Pension Wise – the free government guidance service
- Why starting to think about this early matters
Module 6: Pension Scam Awareness
Duration: 6 minutes | Quiz: 4 questions (100% pass mark required)
[IMAGE PLACEHOLDER: Warning signs infographic for pension scams]
What employees will learn:
- Common pension scam tactics and how to spot them
- Why cold calls about pensions are illegal (and what to do if you get one)
- “Too good to be true” warning signs
- The FCA Register – how to check if a firm is legitimate
- What to do if you think you’ve been targeted
Important: This module is based on The Pensions Regulator's scam awareness guidance and is updated regularly to reflect current threats. 100% quiz pass mark ensures employees fully understand how to protect themselves.
Module 7: Understanding Your Pension Statement
Duration: 8 minutes | Quiz: 5 questions (80% pass mark)
[IMAGE PLACEHOLDER: Annotated example pension statement highlighting key sections]
What employees will learn:
- How to find and read your annual pension statement
- Understanding the projected retirement income figure
- What affects your projection (contributions, investment returns, retirement age)
- Nominated beneficiaries – making sure your pension goes where you want
- How to contact your pension provider if you have questions
Training Summary
| Module | Duration | Quiz Questions |
|---|---|---|
| 1. Auto-Enrolment | 8 mins | 5 |
| 2. Understanding Contributions | 7 mins | 5 |
| 3. Salary Sacrifice | 6 mins | 4 |
| 4. The State Pension | 7 mins | 5 |
| 5. Retirement Options | 10 mins | 6 |
| 6. Pension Scam Awareness | 6 mins | 4 |
| 7. Understanding Your Statement | 8 mins | 5 |
| Total | ~52 mins | 34 |