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Automatic enrolment detailed guidance

Aimed at professional advisers, large employers with in-house pensions expertise and those with a sound knowledge of pensions, our guidance provides detailed help with implementing employer automatic enrolment duties.

You can reproduce the text in any of these publications, as long as you quote the name and title of the publication and identify our website as the source of the material.

Please read the employers guide to automatic enrolment that outlines the main steps you will need to be ready, before reading our detailed guides.

Updated June 2021: The guidance has been converted from PDF into HTML web page format to aid accessibility for users. Many guides have been amended in the process to keep them up to date - details of the changes can be found towards the beginning of the guides in question.

1. Employer duties and defining the workforce

1. Employer duties and defining the workforce
Published: June 2021

An introduction to the employer workplace pension duties.

2. Getting ready

2. Getting ready
Published: June 2021

First steps to prepare for the automatic enrolment employer duties.

3. Assessing the workforce

3. Assessing the workforce
Published: June 2021

How to identify the different categories of workers.

Appendix A: Pay reference periods
Published: June 2021

Appendix B: Assessing a worker
Published: June 2021

Transcript for Appendix B - Assessing a worker
Published: June 2021

Appendix C: Assessing groups of workers
Published: June 2021

Transcript for Appendix C - Assessing a worker (opt in or joining)
Published: June 2021

3a. Postponement

3a. Postponement
Published: June 2021

It includes examples of other notices you might want to send to staff depending on whether they have a right to enrol, opt in or join a pension scheme.

5. Automatic enrolment process

5. Automatic enrolment process
Published: June 2021

Includes more information about deducting and paying contributions, and the time limits for paying contributions.

Appendix A: Summary of automatic enrolment process
Published: June 2021

6. Opting in, joining and contractual enrolment

6. Opting in, joining and contractual enrolment
Published: June 2021

How to process pension scheme membership outside of the automatic enrolment process.

Appendix A: Example process for employers on receipt of an opt-in or joining notice
Published: June 2021

Transcript for Appendix A - Example process for employer when given an opt-in or joining notice
Published: June 2021

7. Opting out

7. Opting out
Published: June 2021

How to process 'opt-outs' from workers who want to leave a scheme.

8. Safeguarding individuals

8. Safeguarding individuals
Published: June 2021

The safeguards for workers.

9. Keeping records

9. Keeping records
Published: June 2021

Records that must be kept by law under the automatic enrolment employer duties.

10. Information to workers

10. Information to workers
Published: June 2021

Different information requirements that an employer is subject to.

11. Automatic re-enrolment

11. Automatic re-enrolment
Published: June 2021

Information on the law surrounding automatic re-enrolment.

Appendix A: The cyclical re-enrolment process
Published: June 2021

Transcript for Appendix A - The cyclical re-enrolment process
Published: June 2021

Detailed guidance resources

Information to workers resource
Published: June 2021

Summary of information requirements in a table format.

Employer duties and safeguards resource
Published: June 2021

Summary of the duties and safeguards.

Diagram of the different categories of worker and the criteria for each category
Published: June 2021

Important

This guidance is designed to assist employers in complying with their duties. This guidance is not intended to be a definitive way of complying with the duties of the Pensions Act 2008 and the regulations made under the Act.

The Pensions Regulator cannot provide a definitive interpretation of the law; only the courts can do this. If you have any doubts of your legal rights or obligations please seek legal advice. Any alternative approach to that appearing in this guidance will nevertheless need to meet the underlying legal requirements.