Stephanie Hawthorne explains how employers need to prepare for the 2012 pension reforms
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The Bill introduces a national system of personal accounts, possibly the most ambitious and far reaching social reform for decades. This low-key sounding name, 'personal accounts', belies the changes which will have a major impact on the finances of every firm in the UK. Contributing to a pension by the employer will no longer be voluntary. From 2012 companies will have to pay towards the pensions of many more of their workforce, unless employees opt out.
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