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Workplace Pensions

Auto-enrolment - What you need to know

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 employ a personal care assistant, if you employ at least one person you are an employer and you have certain legal duties.

It is important that businesses understand what to do and by when, this will depend on your circumstances and those of your staff.

The Pensions Regulator (TPR) says research shows automatic enrolment doesn't have to be costly and that starting plans early leaves employers with time to research and shop around and also helps them avoid the risk of a £400 fine.

To work out what you need to do, when you need to do it and to make sure that you only complete the tasks relevant to you, answer the questions in The Pensions Regulator's 'Duties Checker'.

The Duties Checker is designed for small employers without pensions experience and makes automatic enrolment as easy as possible. We also recommend that employers look at the information on the TPR website detailing the set up costs employers might incur which will help people avoid any unnecessary expense.

Employers who have already reached their staging date - the date the law applied to them - should ensure they complete their declaration of compliance and submit it to the TRP. This must be done within five months of their staging date.

For more information, please download the latest update on Auto-Enrolment from the TRP below, it's only two pages and has some FAQs which employers should find useful.


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