Pension contributions increased on 6 April 2019
The legal minimum for automatic enrolment contributions increased on 6 April 2019. Have you made the changes?Check now
Automatic enrolment is a continuous responsibility – your duties do not end after your duties start date.
Each time you pay your staff you must monitor changes in their age and earnings to see if they need to be put into your scheme.
Every three years you must carry out re-enrolment to put back in any staff who have left your scheme.
You will also need to continue paying into your pension scheme, manage requests to join or leave the scheme and keep records.
Each time you pay your staff you should carry out the following tasks.
You must monitor the ages of your staff and the amount you pay them (including new starters) to see if you need to put any of them into a pension scheme. You must put them into a pension scheme and write to them within six weeks from the day they become meet the age and earnings criteria.
If you have any staff who are
you must put them into your pension scheme and you must both pay into it.
*If you are unsure what the state pension age is you can use the State Pension Calculator to find out.
If any of your staff, who can ask to join your scheme, write to you asking to do so, you must put them into it within a month of receiving their request.
You will have to pay into the pension scheme ifthey are:
We have more information in the choose a pension scheme section for employers who have staff to put into a pension scheme.
You must keep records of how you've met your legal duties, including:
You must keep these records for six years except for requests to leave the pension scheme which must be kept for four years.
Once you have set up a pension scheme and put your eligible staff into it, your legal duties don’t end there. You must continue to make the payments that are due into the scheme every time you run payroll. We monitor the contributions that are paid into workplace pensions and can tell if payments that are due are not being made into your staff’s automatic enrolment scheme. We will take action if you fail to comply with your ongoing legal duties, and you may need to backdate any missed payments.
From 6 April 2019, by law the minimum amount you pay into your staff’s pension increased. You must pay a minimum of 3% of a portion of your staff’s earnings* into their pension, and the total combined payments made by you and your staff must be no less than 8%. Find out more about contribution increases.
*The law requires that, as a minimum, pension contributions will be based on your staff’s earnings between £6,136 and £50,000.
Every three years you'll need to put staff back into your pension scheme if they have left it, and if they meet the criteria to be put into a pension scheme. This is known as re-enrolment. We will write to you in advance of your re-enrolment date to explain more.
More about re-enrolment.