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Free Pension Auto-Enrolment Guide

Free Pension Auto-Enrolment Guide

In an attempt to encourage a culture of savings and preparation for retirement the government has introduced the pension auto-enrolment reforms.

The reforms have already taken effect for the largest employers and month by month over the next four years employers of all sizes will become subject to the scheme.

Auto-Enrolment means that all eligible employees (depending on age and income) will need to be enrolled on a qualifying pension scheme automatically. If the employee does not wish to enrol on the scheme then they must opt out of it themselves by getting in contact with the pension provider.

Employers are prevented from encouraging employees to opt out of the pension in any way, for example, by offering the employee an inducement of any kind in return for opting out.

There will be a minimum level of contribution to the pension scheme which will increase periodically as follows:

  • 2% from the beginning of the scheme (at least 1% contributed by the employer)
  • 5% from 1 October 2017 (at least 2% contributed by the employer)
  • 8% from 1 October 2018 (at least 3% contributed by the employer)

The rest of the contributions will be made up by a combination of employee contributions and tax relief.

Even if an employee opts out of the scheme the employer is required to re-enrol them after 3 years and the employee must then opt out again.

What you need to do:

  1. Check what date you will need to implement the scheme. If you don't know it already you should check as soon as possible. You can do this by going to the '' and entering your PAYE reference number.
  2. Register with the Pensions Regulator to ensure you get all the necessary information and updates for them
  3. Identify and arrange a suitable pension scheme (the government have set up a compliant scheme called 'Nest')
  4. Inform your staff
  5. Identify eligible staff and enrol them by the relevant date
  6. Implement systems for keeping records and paying the contributions

HMRC have confirmed that auto-enrolment can be implemented in combination with a pension salary sacrifice scheme that will assist employers absorb some of the costs and can save employees money as well.

For more information on auto-enrolment and salary sacrifice call us on 0114 241 7092.

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