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Adult social care workers will benefit from a national pension scheme to provide them with "dignity" in older age, health and social care secretary Yvette Cooper has announced.

The promise to set up a collective pension scheme for care staff follows comes on the back of lobbying by UNISON, which has warned that low pay and widespread part-time work have left workers with inadequate pension pots.

Though Cooper did not provide details of the scheme, it would likely involve employees and employers across the sector paying into a collective fund, designed to provide care staff with target level of income in retirement.

In her speech to the Labour Party conference yesterday, Cooper said it was "just wrong that the people who work hardest to help others maintain dignity and respect in old age still get nothing in return in retirement".

Current pension levels among care staff

Like other employers, care providers are required to opt all employees aged 22 and over and earning more than £10,000 into a pension scheme, under so-called auto enrolment.

Employers must contribute 3% of the employee's pay, with the worker paying in 4% and 1% contributed in tax relief, but staff are able to opt out should they wish.

While figures have not been published on levels of opt-outs in the care sector, low levels of pay increase the risk of staff doing so, particularly in the context of cost of living pressures.

Also, according to Skills for Care's latest report on the adult social care workforce, 44% of care workers worked part-time as of March 2025, meaning many will fall below the £10,000 threshold for auto-enrolment.

Skills for Care's report also showed that 70% of 5,500 independent sector employers who provided data on the relevant question did not pay more than 3% of earnings into their workers' pensions.

About collective pension schemes

The government recently legislated for multiple employers to participate in collective defined contribution (CDC) schemes, which they and their staff pay into.

Ministers said that, by pooling investment and risk, CDCs would produce more predictable levels of pensions for staff than traditional defined contribution schemes.

In a letter to Cooper's predecessor but one, Wes Streeting, in April, UNISON argued for a collective scheme, saying it would boost retirement incomes, as well as retention and the status of care work.

It is not clear whether the proposed scheme will require higher contributions from either employers or employees than is the case under auto-enrolment or whether the government itself will make a contribution beyond tax relief.