{"id":22541,"date":"2016-02-01T12:24:24","date_gmt":"2016-02-01T12:24:24","guid":{"rendered":"https:\/\/www.pbctoday.co.uk\/news\/?p=22541"},"modified":"2016-02-01T12:24:24","modified_gmt":"2016-02-01T12:24:24","slug":"construction-workers-miss-auto-enrolment-pensions","status":"publish","type":"post","link":"https:\/\/www.pbctoday.co.uk\/news\/hr-skills-news\/construction-workers-miss-auto-enrolment-pensions\/22541\/","title":{"rendered":"Construction workers miss out on auto-enrolment pensions"},"content":{"rendered":"<h2><span>A significant amount of construction workers are losing out on pension contributions due to an increase use of umbrella firms\u2026<\/span><\/h2>\n<p>An increase in the proliferation of umbrella firms is pushing many construction workers out of auto-enrolment pension schemes.<\/p>\n<p>Umbrella firms are undoubtedly controversial, as it means workers are not classified as full time employees. A vast number of the more than two million people who work in construction are employed via agencies and are often \u201cadvised\u201d to be paid via an umbrella firm. Unions warn this is undermining the pension scheme, as well as allowing firms to dodge tax. In essence it forces workers to be \u201cself-employed\u201d when they are in fact employees and should be granted full employment rights.<\/p>\n<p>In the past the government has tried to tackle the issue, going so far as to ban agency and payroll companies for falsely claiming workers were self-employed in 2014. This had allowed firms to avoid paying national insurance contributions of some 13.8 per cent per worker.<\/p>\n<p>In a bid to get around the rules, some workers were required to join umbrella firms, which is legal for temporary workers. However, the <a href=\"http:\/\/www.ucatt.org.uk\/\" target=\"_blank\"><span>Union of Construction, Allied Trades and Technicians<\/span><\/a> (UCATT) said this meant workers were paying both employee\u2019s and employer\u2019s national insurance contributions. Additionally, they do not qualify for employer\u2019s pension contributions as the worker is deemed to be the employer.<\/p>\n<p>UCATT said: \u201cMany construction workers move from job to job and agency to agency every few months.<\/p>\n<p>\u201cBecause they will be paid via an umbrella company for a period of less than three months before they move on to another agency and another umbrella company, they risk remaining in a pensions limbo and never being enrolled on auto enrolment.\u201d<\/p>\n<p>Acting general secretary Brian Rye added: \u201cFrequently, workers are engaged on projects for less than three months, meaning companies are not obliged to offer the worker the opportunity to sign up for auto enrolment.<\/p>\n<p>\u201cThis is creating large holes in workers\u2019 pensions and creates the impression that it is not worth saving for retirement as the rewards are minimal.\u201d<\/p>\n<p>Rye said the problem would be made worse in the future.<\/p>\n<p>\u201cAs these contributions increase in the next few years workers are going to find the cost prohibitive and opt out,\u201d he said.<\/p>\n<p>According to Citizens Advice, as many as 460,000 people could be \u201cbogusly self-employed\u201d. Speaking in August, the organisation said many were compelled by \u201cunscrupulous\u201d employers to register as self-employed when they should in fact have full employee status.<\/p>\n<div class=\"mk-custom-module-container\">\n<\/div>","protected":false},"excerpt":{"rendered":"<p>A significant amount of construction workers are losing out on pension contributions due to an increase use of umbrella firms\u2026 An increase in the proliferation of umbrella firms is pushing many construction workers out of auto-enrolment pension schemes. Umbrella firms are undoubtedly controversial, as it means workers are not classified as full time employees. A [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[285],"tags":[],"stakeholder_rel_tag":[],"contributor_rel_tag":[],"class_list":{"0":"post-22541","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-hr-skills-news"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.9 (Yoast SEO v26.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Construction workers miss out on auto-enrolment pensions | Planning, Building &amp; Construction Today<\/title>\n<meta name=\"description\" content=\"A significant amount of construction workers are losing out on pension contributions due to an increase use of umbrella firms\u2026\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pbctoday.co.uk\/news\/hr-skills-news\/construction-workers-miss-auto-enrolment-pensions\/22541\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Construction workers miss out on auto-enrolment pensions\" \/>\n<meta property=\"og:description\" content=\"A significant amount of construction workers are losing out on pension contributions due to an increase use of umbrella firms\u2026\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.pbctoday.co.uk\/news\/hr-skills-news\/construction-workers-miss-auto-enrolment-pensions\/22541\/\" \/>\n<meta property=\"og:site_name\" content=\"Planning, Building &amp; 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