About 1m low-paid workers are missing out on their legal entitlement to receive an employer’s contribution to their pension savings because of a loophole, which just got bigger today. It demonstrates the danger of the Government’s constant tinkering with pensions rules, leaving many people baffled about how to save for retirement. That’s why the Telegraph is calling for stability and clarity with its Hands Off Our Pensions campaign. Most of the victims of the latest rule change are women because they are more likely to have part-time or low-paid jobs where company pensions are least likely to be offered. They were intended to be major beneficiaries of auto-enrolment into pensions, which began in October. As a result of this reform, employers are required to make pension contributions equal to at least 1pc of workers' earnings at present, and contribution rates are set to rise over time. Unfortunately for low-paid workers – but fortunately from the point of view of their employers – the threshold or minimum income at which auto-enrolment applies keeps rising. As an unintended consequence, many are missing out on State-sponsored savings. Tom McPhail, pensions expert at wealth managers Hargreaves Lansdown, explained: “Since the original earnings threshold for auto-enrolment was announced at £5,035 in 2006, around 1m workers have subsequently been excluded from the auto-enrolment process as governments have progressively raised the threshold to £9,440 – as announced today. “Many employers will welcome this news. It will reduce their overall pensions bill, it keeps their administration simple and it takes more of their lower paid employees out of the system....Read more here: Hands off our pensions: loophole means 1m low-paid workers miss out Telegraph Blogs