Key pension facts

Primary Threshold (PT) and Lower Earnings Limit (LEL)


These are terms relevant for National Insurance contributions.

The point at which you start paying National Insurance contributions is the ‘Primary Threshold’ (PT; set at £9,500 in 2020/21).

However, workers get the benefits of NIC (including State Pension eligibility) from the ‘Lower Earnings Limit’ (LEL; set at £6,240 in 2020/21, to rise in line with inflation).

Changes to these amounts were recently announced in the March 2020 Budget. See also our the spring budget 2020 & your pension blog post.

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Our customer support team is rated "Excellent" and is always on hand to help you during the setup process and once you have your new pension. There are 3 ways you can contact us:
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