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Automatic enrolment and workplace pensions

If your enquiry is about the new automatic enrolment legal duties, it may save you time to read our automatic enrolment questions before contacting us.

Top five automatic enrolment questions - more automatic enrolment questions including questions for directors and people who employ their own care and support.

  • As an employer, when will I need to put my staff into a pension scheme?

    Your staging date is the date your automatic enrolment duties come into effect for you. You must be prepared for this date.

    Use our tool to find out your staging date.

  • How do I nominate a contact?

    You need to tell us who’ll be responsible for managing the automatic enrolment process by nominating a contact. Use our nominate a contact page to do this and, over the coming months, we'll send help and guidance to this person.

    You’ll need your letter code and PAYE reference to hand. If you are trying to nominate a contact and your PAYE details are not recognised, please replace the three asterisks in our letter with your tax district reference.

    The PAYE reference can be found on letters you have received from us about automatic enrolment and is made up of numbers and letters only. Alternatively it can be found on the letter HMRC sent you when you first registered as an employer or from your payroll software package.

    Your letter code appears on all letters we send about automatic enrolment.

  • Does automatic enrolment apply to me if I employ a carer?

    If you directly employ one or more people to provide you with care or personal assistance, you’re an employer and automatic enrolment duties will apply to you. This will be the case whether you use the money provided by your local council in the form of direct payments or a personal budget to pay the carer, or you use your own money.

    If the person who provides you with care or personal assistance is provided by an agency or the council, you’re not an employer and automatic enrolment duties will not apply to you.

    Automatic enrolment is similar to your employer responsibility to deal with National Insurance and tax. So, in the same way that you have to pay employer National Insurance in respect of your carer’s earnings and deduct PAYE tax from their pay, depending on the circumstances, you must also put your carer into a pension scheme and pay money into it on their behalf.

    Automatic enrolment applies to you from a date known as your staging date. Use our tool to find out your staging date.

  • What is my letter code and where can I find it?

    Your letter code is a 10-digit reference and can be found on the letter the Pensions Regulator has sent you or you can find your letter code here.

  • How much will I have to pay into a pension scheme?

    The law sets a minimum level of contributions to be paid by an employer. At the moment this is 1% of your member of staff’s earnings, but this will increase over the coming years.

    Over time, all your members of staff must receive minimum pension contributions of 8%, with at least 3% coming from you, the employer.

    You and/or your staff can pay more than the minimum.

    You can also use our online contributions calculator to help work out your costs for each member of staff.

Is your enquiry about automatic enrolment declaration of compliance? See our automatic enrolment declaration of compliance questions.

Further contact details

Please ensure that you have the employer’s PAYE reference or letter code to hand before you call / email us. You can find these on letters we’ve sent you about automatic enrolment.

Opening hours:

Our opening hours for automatic enrolment enquiries (excluding English public holidays) are:

  • Monday to Friday – 8am to 6pm
  • Saturday – 9am to 1pm

Phone:

Call us on 0345 600 1011 and select from the following options.

  • If you are third party, acting on behalf of an employer, such as a business advisor or IFA , please press 1.
  • If you have someone who works for you at home, for example a personal care assistant, nanny, cleaner or similar please press 2.
  • If your business has fewer than 50 workers, please press 3.
  • If your business has 50 or more workers, please press 4.

Email:

Email us with your automatic enrolment query:

customersupport@autoenrol.tpr.gov.uk

Write to us:

The Pensions Regulator
PO Box 16314
Birmingham
B23 3JP

Running a pension scheme

For trustees, administrators and advisers who need help and guidance with running a pension scheme, and questions relating to the regulation of pension schemes.

Further contact details

Call us with your question about running a pension scheme:       

0345 600 0707

Our opening hours are 9am to 5:30pm, Monday to Friday, excluding English public holidays.

Email:

Email us with your question about running a pension scheme:

customersupport@tpr.gov.uk

Write to us:

The Pensions Regulator
Napier House
Trafalgar Place
Brighton
BN1 4DW

Levy payments

For questions about paying the levy on pension schemes.

Can you find the answer to your question on our levy help page?

Further contact details

Call us with your question about levy payments:       

0345 600 5666 (Option 1)

Our opening hours are 9am to 5:30pm, Monday to Friday, excluding English public holidays.

Email:

Email us with your question about levy payments:

exchange@tpr.gov.uk

Write to us:

The Pensions Regulator
Napier House
Trafalgar Place
Brighton
BN1 4DW

Scheme return, Exchange and Trustee toolkit

Get help and support completing a scheme return, using our online service, and accessing the Trustee toolkit.

Can you find the answer to your question by selecting the relevant link below?

Further contact details

Call us with your question about the Scheme return, Exchange or Trustee toolkit:

0345 600 5666 (option 2)

Our opening hours are 9am to 5:30pm, Monday to Friday, excluding English public holidays.

Email:

Email us with your question about the Scheme return, Exchange or Trustee toolkit:

exchange@tpr.gov.uk

Write to us:

The Pensions Regulator
Napier House
Trafalgar Place
Brighton
BN1 4DW

Whistleblowing

How to report a concern (also known as whistleblowing) about how your work-based pension is being run.

The nature of your concern will determine which organisation you should contact. Find out how to report your concern in whistleblowing and other concerns.

Whistleblowing contact details

Call us with your concern:

0345 600 7060

Our opening hours are 9am to 5:30pm, Monday to Friday, excluding English public holidays. Please note that a 24-hour voicemail service is in operation for this number.

Email:

Email us with your concern:

wb@tpr.gov.uk

Online:

Use our online form to report a concern:

Whistleblowing form

Transcripts (English and Welsh)

Write to us:

The Information Team
The Pensions Regulator
Napier House
Trafalgar Place
Brighton
BN1 4DW

Will my identity become known?

We understand that when you supply information to us it may have a potential impact on the relationship between you and those you are reporting, particularly in the case of a worker and their employer.

You can always choose to be anonymous when reporting concerns to us so no one will know your identity. However, it is useful to have your contact details in case we need to ask you for more information while we investigate your concerns. There is whistleblowing protection under the Employment Rights Act 1996 which protects most employees if they raise a concern about wrongdoing – either internally or with a regulator.

Will my identity be protected if I report a concern?

We will do our best to protect your identity (if desired) and will not disclose it except where lawfully required to do so. We will take all reasonable steps to maintain confidentiality but we cannot give any categorical assurances as circumstances may mean that disclosure of your identity becomes unavoidable – for example if we are ordered by a court to disclose it.

What happens after I report a concern?

After you report your concern to us we will start making some initial inquires and we may contact you to clarify information (if you provide your contact details). We do not encourage you to try and get any new information.

If appropriate, we will refer your concern internally for investigation. However, due to legal restrictions we’re unable to provide you with any feedback about our investigation. If you’re reporting an employer or third party we’ll ensure you have a designated point of contact and any witnesses are supported throughout any enforcement process.

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