Still need to set up your workplace pension? Complete our auto enrolment form and we will put you in touch with a qualified broker to help.
Re-enrolment for eligible employees
You can re-enrol your eligible employees up to three calendar months either side of this date, for example:
Staging date: 1st January 2016
Re-enrolment date: 1st January 2019
Earliest date you can re-enrol employees: 1st October 2018
Latest date you can re-enrol employees: 31st March 2019
This means your re-enrolment window will be from 1st October 2018 until 31st March 2019 if your staging date was 1st January 2016.
Your employee wants to opt-out
You will have already given every eligible employee details of the pension scheme and an opt-out notice to complete should they decide they do not want to pay into a pension.
All eligible employees have a month from the staging date to opt-out and get their first pension contribution back.
If their contributions have already gone to the pension provider, ask them to refund the money.
Your employee wants to opt-in
If any of your employees opt-out within the first month of their auto enrolment they can ask to opt back in at any time.
You only need to accept their notice to opt-in once in a 12 month period. This is to stop any employees opting out and in several times in a year.
You employ someone new
Every new starter is assessed in the same way you assessed your entire workforce before your staging date. Find out how to assess your employees for eligibility for auto enrolment here.
Whether your new starter is eligible or not, you must still give them all of the information required for them to understand all the options available. This is still a legal requirement set out by The Pensions Regulator.
You can choose to postpone the registration of any new employee for up to three months, which gives you time if you wish for them to pass a probationary period before qualifying for your workplace pension scheme.
Your employee becomes eligible for auto enrolment
If an employee becomes eligible for auto enrolment into your workplace pension after your staging date, you should give them the information about auto enrolment, although at this stage they may have already opted in or asked to join your workplace pension.
The main difference now is that your payroll system will identify that they should be automatically enrolled on the three year re-enrolment anniversary of your staging date.
If they are still eligible for automatic enrolment at this time they will then have to opt-out if they do not want to pay into the pension.
Your employee is no longer eligible for auto enrolment
This might happen if you have an employee who goes from a full time employment contract to a part time contract.
If they were automatically enrolled, they will remain in the workplace pension.
When the re-enrolment date comes up, they will have to 'opt-in' to remain part of the pension scheme if they are still not eligible to be automatically enrolled.
Your employee leaves their job
If an employee leaves your business you no longer need to contribute to their pension (this is a requirement for auto enrolment).
You need to update your payroll software with the termination date and notify your pension provider that the exiting employee will no longer be contributing towards their pension.
It is the exiting employee who is responsible for transferring their pension across to another provider through a new employer if they wish to.
What if you do not enrol your employees?
The Pensions Regulator can fine you if you do not follow their guidelines by your staging date. This fine can start at £400 and escalate to as much as £50,000 for larger organisations.