Automatic enrolment is a red tape headache that many employers feel they could do without at the moment. Nevertheless, many also see the need for some action to address the looming pension crisis.

Even though auto-enrolment doesn't affect the self-employed or those who choose to opt out, these exceptions won't stop the legislation broadly achieving its aim of greatly increasing pension savings. However, it's worth understanding where these exceptions apply - and the latest case to throw light on one of them is with regards to flexible benefits.

The Oxleas NHS Foundation Trust has recently offered nurses the option of a higher ...

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