Employers can offer benefits at different stages of employment - they can be included in your initial offer of employment, or you can receive them after a year of service, or as part of an appraisal, among other things.
Where do my employer contributions go?
When you're on a company scheme with Kota, your company will be contributing to your pension. It's important to note, if you leave your employer before two years of service, they are entitled to retain their portion of contributions. They can choose to retain them, or allow you to keep them. It depends on the employer.
Where do my contributions go?
You will keep your contributions. As you will be removed from the company scheme, you might be obliged to take a refund of your contributions. After that, you can add those contributions to a new employment scheme (if you have a new employer), or you can create a PRSA (a personal retirement savings plan) and add your contributions in here. Note: there may be fees attached to these options.
Do all employers do this?
No. It is possible that this will not be the case, and it varies from employer to employer.