Auto Enrolment

Auto Enrolment for  all employers

The law on workplace pensions has changed. Under the Pensions Act 2008, every employer in the UK must put certain staff into a pension scheme and contribute towards it. This is called 'Automatic Enrolment'.

Whether you're a hairdresser, an architect or estate agent, if you employ at least one person, you are an employer and you have certain legal duties.

Automatic Enrolment in 6 simple steps

Step 1 - Know your Staging Date

Each employer will be given a date by which they must comply with AE rules. This is the Staging Date. To check a staging date there is only one place to go:

The above link will tell you officially when you must comply.

Step 2 - Check your Duties

If you want to check what you must do and by when complete the Duties Checker process.

Step 3 - Choose a Pension Scheme

The workplace pension is provided by Salvus Master Trust. The Administrator is HS Admin. The Default Fund is provided by AEGON Asset Management. Salvus is accredited under ICAEW audit rules known as Mastertrust Assurance Framework. Go to the  Workplace Pension section and Why use Salvus section for all the additional information you need.

Step 4 - Work out who to put into the pension

This step is usually done via payroll software. Check that the software you use will do this. If you outsource your payroll you need to check with whoever runs your payroll.

You must automatically enrol all staff that:

  • are aged between 22 and State Pension age
  • earn more than £10,000 a year
  • work in the UK

Step 5 - Write to or email your staff

All employers must send a letter or email to ALL staff to explain Auto Enrolment, how it impacts on each employee and confirm details of the pension scheme. Payroll can do this for you. If payroll don’t do this, our software can produce these letters for you to print and give to your staff or if you have email addresses for your staff, our software can send the letters direct. 

Step 6 - Tell the Regulator you have complied

Once you have completed your scheme set up and all eligible employees have been enrolled, it is important to tell the Regulator this. You have up to 5 months from your Staging date to do this. 

Remember, automatic enrolment is your legal duty and if you don't act you could be fined.

Automatic enrolment duties do not apply when a company or individual are not considered an employer. For example, you may no longer employ any staff, you have ceased trading, or you’re the director of a company with no other employees. To let the Regulator know about this click below.

If you need to understand the detailed rules and responsibilities a full set of guidance notes is maintained by the Regulator.

If you are now ready to sign up click here.

In just a few minutes you can be set up. Its all online. You even sign up online using our secure electronic signature solution. You will need your Company Registration number, your PAYE reference and once registration is complete you will receive your log in to set up a direct debit to collect contributions. 

  Workplace pensions in black and white.  

 

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