Auto-enrolment rules | Help and support https://thepeoplespension.co.uk/help Search our knowledge base for answers Thu, 03 Oct 2024 11:50:19 +0000 en-GB hourly 1 https://wordpress.org/?v=6.7.2 Can my employer delay my enrolment date? https://thepeoplespension.co.uk/help/knowledgebase/can-my-employer-delay-my-enrolment-date/ Fri, 02 Dec 2016 15:02:15 +0000 http://prodtpp.wpengine.com/help/?post_type=knowledgebase&p=2767  

Although your employer can’t change its staging date, it can delay the date it intends to enrol you into its pension scheme by up to three months. This is known as ‘postponement’. Your employer must tell you about the delay in writing. If you want to join the workplace pension scheme before this date your employer must make sure you are able to (you’ll need to contact your employer if you want to do this).

]]> What must my employer do under the automatic enrolment rules? https://thepeoplespension.co.uk/help/knowledgebase/what-must-my-employer-do-under-the-automatic-enrolment-rules/ Fri, 02 Dec 2016 15:02:15 +0000 http://prodtpp.wpengine.com/help/?post_type=knowledgebase&p=2766 After you’ve been enrolled into your employer’s workplace pension scheme, your employer must:

  • pay at least the minimum contributions due to the pension scheme on time
  • let you leave the pension scheme (called ‘opting out’) if you ask – and refund money you’ve paid, but only if you opt out within 1 month
  • let you re-join the scheme at least once a year if you’ve opted out
  • automatically re-enrol you back into the pension scheme at least once every 3 years if you’ve opted out, ceased active membership or are paying below the minimum contribution levels, providing you’re still classed as an ‘eligible’ jobholder.
]]> What penalties are there if my employer doesn’t comply? https://thepeoplespension.co.uk/help/knowledgebase/what-penalties-are-there-if-my-employer-doesnt-comply/ Fri, 02 Dec 2016 15:02:14 +0000 http://prodtpp.wpengine.com/help/?post_type=knowledgebase&p=2769  

The Pensions Regulator is responsible for ensuring compliance with the automatic enrolment legislation; where there’s a breach it’ll initially focus on education rather than imposing fines for non-compliance.

If your employer doesn’t meet its duties, The Pensions Regulator will initially just tell them to put things right. Any further failure may lead to the government fining your employer a lot of money. In the event of persistent and deliberate non-compliance, The Pensions Regulator can issue increasing penalty notices of up to £10,000 a day. Ultimately your employer could face criminal prosecution and even imprisonment.

]]> What do I do if my employer doesn’t comply with its automatic enrolment duties? https://thepeoplespension.co.uk/help/knowledgebase/what-do-i-do-if-my-employer-doesnt-comply-with-its-automatic-enrolment-duties/ Fri, 02 Dec 2016 15:02:14 +0000 http://prodtpp.wpengine.com/help/?post_type=knowledgebase&p=2770 Every employer has been given a specific date by which they needed to comply with these duties. You should first contact your employer to find out if the duties apply to you; or find out if you’re likely to be automatically enrolled into a workplace pension.

For more information or advice in relation to your automatic enrolment rights, go to the MoneyHelper website.

If you believe that your employer has failed to comply with these requirements, you can report this to The Pensions Regulator by using its whistleblowing service.

]]> Payments haven’t been made to my workplace pension scheme. What do I do? https://thepeoplespension.co.uk/help/knowledgebase/payments-havent-been-made-to-my-workplace-pension-scheme-what-do-i-do/ Fri, 02 Dec 2016 15:02:14 +0000 http://prodtpp.wpengine.com/help/?post_type=knowledgebase&p=2772 If your employer hasn’t:

  • made the payment to your pension scheme that they’re required to make, or
  • passed the contribution deducted from your salary to your pension scheme.

If your employer is behind with payments, we’ll initially get in touch with them to let them know that a payment is overdue.  If payments are more than 90 days late after the due date (this is the 22nd of the following month after contributions have been deducted from their salary), we’ll report this as a breach to The Pensions Regulator, and we’ll write to both you and your employer to inform you of this.

If you’re concerned, the most effective step is to discuss your concerns with your employer. If this is unsuccessful, you can anonymously report your employer to The Pensions Regulator through its whistleblowing service.

]]> My employer hasn’t passed money deducted from my wages to you – how do you rectify this? https://thepeoplespension.co.uk/help/knowledgebase/my-employer-hasnt-passed-money-deducted-from-my-wages-to-you-how-do-you-rectify-this/ Fri, 02 Dec 2016 15:02:14 +0000 http://prodtpp.wpengine.com/help/?post_type=knowledgebase&p=2773  

If your employer is behind with payments, we’ll initially get in touch with them to let them know that a payment is overdue.  If payments are more than 90 days late after the due date, we will report this as a breach to The Pensions Regulator, and we’ll write to both you and your employer to inform you of this.

]]> Is there anything I can do if I’m concerned about my employer making late contributions into my pension pot? https://thepeoplespension.co.uk/help/knowledgebase/is-there-anything-i-can-do-if-im-concerned-about-my-employer-making-late-contributions-into-my-pension-pot/ Fri, 02 Dec 2016 15:02:14 +0000 http://prodtpp.wpengine.com/help/?post_type=knowledgebase&p=2774  

Your first step (and probably the most effective) is to discuss your concerns with your employer. If this is unsuccessful, you can anonymously report your employer to The Pensions Regulator through its whistleblowing service.

]]> Does the three-year re-enrolment process start from the employer’s staging date or from when the member is initially enrolled? https://thepeoplespension.co.uk/help/knowledgebase/does-the-three-year-re-enrolment-process-start-from-the-employers-staging-date-or-from-when-the-member-is-initially-enrolled/ Fri, 02 Dec 2016 15:02:13 +0000 http://prodtpp.wpengine.com/help/?post_type=knowledgebase&p=2788 The 3-year re-enrolment process is based on the employer’s staging/duties start/previous re-enrolment date. The employer can vary the date by up to 3 months before or 3 months after the 3rd anniversary of its staging/duties start/previous re-enrolment date. The employer can choose whether or not to enrol anyone who has opted out in the last 12 months.

]]> I’ve changed jobs. How do I arrange for contributions to go into my pension pot? https://thepeoplespension.co.uk/help/knowledgebase/ive-changed-jobs-how-do-i-arrange-for-contributions-to-go-into-my-pension-pot/ Fri, 02 Dec 2016 15:02:12 +0000 http://prodtpp.wpengine.com/help/?post_type=knowledgebase&p=2797 Your employer is responsible for enrolling you into the workplace pension scheme that they use. However, the provider may not be The People’s Pension.  You’ll need to check with your new employer to find out when you’ll be enrolled and who the pension provider will be.

]]> I’m employed by an agency. Do I need to be auto-enrolled? https://thepeoplespension.co.uk/help/knowledgebase/im-employed-by-an-agency-do-i-need-to-be-automatically-enrolled/ Fri, 02 Dec 2016 15:02:12 +0000 http://prodtpp.wpengine.com/help/?post_type=knowledgebase&p=2798 In most cases the answer to this question will be yes. If you have a contract to perform work or services for an agency, then you’ll be eligible for auto- enrolment in your agency’s scheme (this depends on your earnings level and age). However, sometimes agencies provide workers who are genuinely self-employed and such workers are excluded from being enrolled under the rules.

If you’re not sure whether the auto-enrolment requirements apply to you, please contact your agency.

For more information see The Pensions Regulator assessing the workforce.

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