Skip to main content

Call for Evidence

Protecting pension savers – five years on from the pension freedoms: Saving for later life

The Work and Pensions Select Committee is currently part way through its inquiry on Saving for Later Life. This is the third and final part of our inquiry into Protecting Pension Savers: Five Years on from the Pension Freedoms and is looking at what more needs to be done to help people plan and save for their retirement. We are looking at issues around auto-enrolment, retirement income targets and guidance and advice as well as investigating the support available for the self-employed and gig economy workers and possible measures to close the gender pensions gap. 

We put out our initial call for evidence in December 2021 and have received written evidence from a range of individuals and organisations. We have taken oral evidence from pensions experts, groups representing savers, actuarial bodies and pension professionals and the pensions industry. We are now issuing a second call for evidence, targeted specifically at employers and their representatives and trade unions. The questions we would like answers to are:

  • What would help employers support pension savers in making decisions while they save?
  • When and how should the Government implement the key recommendations of the 2017 Automatic Enrolment review (for contributions to be paid on earnings from the first pound and to reduce the minimum age for auto-enrolment from 22 to 18)?
  • Do minimum auto-enrolment contribution rates need to increase? If so, when and how?
  • Some people have suggested that is contribution rates for workers increase, they should be able to ‘opt down’ to a lower contribution rate. Do you agree?
  • To what extent do employers offer encouragements to save more, for example, as salaries increase? Is there a role for Government intervention to encourage more of this?
  • Should the £10,000 ‘automatic enrolment trigger’ (the level of earnings at which a worker must be auto-enrolled) be reduced or removed altogether?
  • Do we need a new Pensions Commission?


You do not have to answer all of the questions.

The deadline for submissions is Wednesday 8 June 2022.

The Committee’s wider inquiry on the pension freedoms, which were introduced in 2015 with the aim of giving people aged over 55 more control over how and when they could access their savings, has also examined pension scams and accessing pension savings. 


This call for written evidence has now closed.

Go back to Protecting pension savers – five years on from the pension freedoms: Saving for later life Inquiry