Dr. Claire Keane:

People will be auto-enrolled if they are between 23 and 60 years of age. Anybody younger or older than that can opt to contribute and will get the employer top-up and the State top-up. Below the age of 23 and above the age of 60, people will not be automatically enrolled but they will be given access to the pension scheme and will get the same benefits. We saw an interesting situation in the UK, which ran a similar scheme with an age limit and an income limit. It saw an increase in pension coverage among the people outside those limits. People who were not auto-enrolled increased their pension coverage purely because they had access to a scheme to which they had not previously had access. Those people saw they were gaining from employer top-ups. People above 60 and below 23 can decide to join the scheme.