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Occupationalpensionscheme membership had remained stable over the period from 1987 to 1993-4, in spite of increased opportunity to join a scheme.
Earlier research has shown that those who retire significantly before state pension age are more unlikely to have an occupationalpensionscheme.
In this sense, a substantial proportion of those lacking access to an occupationalpensionscheme appear to be victims of mis-selling too.
Since 1987 the proportion of employees who had access to an occupationalpensionscheme but who did not join nearly doubled to 11 per cent.
We first consider the pension choices made by employees who had access to an occupationalpensionscheme.
Among those lacking access to an occupationalpensionscheme, take-up was higher among younger and more advantaged employees.
Personal pensions are for those with good earnings who cannot join an occupationalpensionscheme.
First, employees with long service and membership of an occupationalpensionscheme have more to lose by leaving the scheme early.
Workers are asked if they have contributed to an occupationalpensionscheme.
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