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United Kingdom
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Key definition
Occupational pension scheme definition

What does Occupational pension scheme mean? In practice, an occupational pension scheme is an employer-backed workplace pension set up to provide retirement (and often death or ill‑health) benefits for employees. It is defined in UK pensions legislation (for example, the Pension Schemes Act 1993 and the Pensions Act 2004) and in Ireland’s Pensions Act 1990, and is typically established under trust by a single employer, a group of employers or an industry-wide provider (including master trusts). Key features include: governance by independent or employer-nominated trustees under a trust deed and rules; funding by employer and/or member contributions; benefits provided on a defined benefit,...

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Great Britain pensions equality: occupational schemes’ non-discrimination, age exceptions (Age Exceptions Order; Beattie), alteration powers, reasonable adjustments, remedies; and employers’ personal pension contributions—permitted age-based practices

Practice notes
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This Practice Note covers:

  • the non-discrimination rule in section 61 of the Equality Act 2010 (EqA 2010) as it applies to Occupational pension schemes—see: Non-discrimination rule—an overview below, and
  • discrimination and other prohibited conduct under EqA 2010, Pt 5 concerning payments to Personal pension schemes, together with age-related exceptions—see: Employers’ contributions to personal pension schemes—prohibited conduct below

Non-discrimination rule—an overview

A ‘non-discrimination rule’ is a provision requiring a responsible person not to do any of the following:

  • discriminate against another person while performing their functions connected with an occupational pension scheme (see: what is an occupational pension scheme below)
  • harass any person in relation to the scheme
  • victimise any person in relation to the scheme

For more detail, see: Non-discrimination rule–when it applies below...

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Web page updated on 21/05/2026

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