Help Centre for Employers

This document describes the process an employer must follow roughly every three years from their staging/duties start date.

This report, published by the Pensions Policy Institute, commissioned by NOW: Pensions, explores different factors related to, and country experiences of, employer/employee contribution balances, comparing the UK to countries that have nationwide automatic enrolment schemes.

This report, published by the Pensions Policy Institute, commissioned by NOW: Pensions, examines the impact of removing the auto enrolment trigger and the “qualifying earnings” bands.

This report published by the Pensions Institute, explores whether the cost of membership offers value for money to the ‘average’ member. It looks at preliminary quantitative and qualitative findings of Caveat Venditor and provides fresh analysis.

“Pensions 2022 – a vision of the future” is a white paper report that brings together the views of eleven industry experts and commentators on what they hope the world of pensions will look like in 2022 – ten years on from the introduction of auto enrolment – and what they believe needs to happen to make their vision a reality.

The Policy of Social Responsibility sets out the principles and policies adopted by NOW: Pension Trustee Limited in investing the assets of NOW: Pensions Trust.

Whether you have one worker or hundreds, NOW: Pensions provides a simple way to set up and manage your auto enrolment pension. Find out more great reasons to work with NOW: Pensions.

A two page document explaining some of the costs that may be associated with setting up a pension scheme, how to keep costs down and how much it costs to use NOW: Pensions.

The NOW: Pensions contribution models are designed to cater for all requirements, from those that want to comply with the legislation at minimum cost to those that want to offer their employees an enhanced benefit. In this document we outline your options.

This document providers a short introduction into who we are and what we have to offer. Information around getting started with auto enrolment, scheme set up, ongoing management, and associated costs are all covered.

An introduction to NOW: Pensions briefly detailing our key services, investment proposition and presenting our Board of Trustees.

Information about NOW: Pensions investment proposition covering our investment strategy, philosophy and management. A useful document in gaining more information on how your money is being managed.

A guide to help explain the rules and regulations around auto enrolment including summary of auto enrolment, eligibility of a workforce (eligible jobholders, entitled workers and non-eligible jobholders), timings, member costs and postponement.

This step by step guide will help you understand what is expected of you and how employees may be affected. The steps are broken down into the following categories: Staging/duties start dates and planning, Scheme selection, Scheme design and contributions, Payroll integration, Assessing workers, Postponement, Communications, Record keeping and reporting.

This document describes the process an employer must follow roughly every three years from their staging/duties start date.

A two page document displaying an employer’s roles and responsibilities, post their auto enrolment staging/duties start date including information on postponement, the first payroll file submission and information required for the declaration of compliance with The Pensions Regulator.

A form for employers to complete and return to NOW: Pensions with instructions for their bank to pay for deducting contributions.

A form for employers to complete and return to NOW: Pensions with instructions for their bank to pay for deducting charges, if applicable.

This document outlines the online sign up process. It explains the steps that need to be taken, the information you will need to get started and what NOW: Pensions has to offer.

This document provides guidance on how to use the Direct Debit contribution reconciliation report that is available on your NOW: Pensions portal.

This is a document guiding employers through the initial set up of their employer portal and includes: logging in, verify company details, employer/admin role account setup, setting up your payroll, postponement decisions and importing employee data.

A template that can be used to bulk upload your payroll timetable. The bulk upload facility allows you to create multiple pay periods in one go. We would suggest that you have a minimum of 3 and a maximum of 12 month’s worth of future pay periods set up at any one time.

A poster for you to print and display in your workplace that shows your employees how to log into their member account.

The NOW: Pensions guide for to enrolment duties for new employers. Any business that first employed staff on, or after 1st October 2017 has auto enrolment duties as soon as they employ someone for the first time.

The NOW: Pensions Gateway matching guide to help you check over the data in your pensions data file, and cross reference this with the data already held in our database.

A straightforward and easy-to-read guide to auto enrolment into a workplace pension which explains auto enrolment from an employee’s perspective.

Welcome to the NOW: Pensions Trust, your workplace pension scheme. Our member booklet will help you understand your workplace pension and the importance of saving for your retirement.

It also explains where your money is invested, how tax relief on your pension contributions works, the charges we make, how to transfer pension savings in, and what you can do with your money when you retire.

A presentation for employees which welcomes them to the scheme, explaining charges, contributions, additional voluntary contributions, opting out and more. You can present this to employees when they first join the scheme.

A letter which employers can give to their employees outlining when they will be auto enrolled, who is eligible to join and letting them know that NOW: Pensions will be looking after their scheme.

Changes to pension regulations mean that you have several ways to take your money. If you’re aged 55, or older, you can take your pension savings without having to buy an annuity.

Our helpful leaflet contains information about the pension choices available to you through the NOW: Pensions Trust and guidance about the things you need to think about when deciding what to do with your pension savings.

We explain what auto enrolment into a workplace pension is, how it works and how pension savings are invested for members of the NOW: Pensions Scheme. We also set out administration costs and charges related to your pension scheme.

We explain how NOW: Pensions manages members’ pension savings and how we invest employer and employee contributions.

We also explain how our Diversified Growth Fund and Retirement Countdown Fund work, including the growth phase, the protection phase and the glidepath to retirement, which apply at different stages of our members’ pension saving journey.

The NOW: Pensions Gateway matching guide to help you check over the data in your pensions data file, and cross reference this with the data already held in our database.

Our guide explains how to use and manage the generic input file in our Gateway employer website. Please follow these guidelines if your payroll software determines your auto enrolment outputs.

We also assume the following.
• Your payroll does the categorisation.
• Any postponement dates are calculated within the payroll.
• All contribution deductions are calculated within the payroll.
• Your payroll determines auto enrolment.
• The column headings in your file exactly match those set out under ‘What
should the pension data file contain?’ (although the order’s not prescriptive).
• Your CSV file is comma delimited.

This document is only to be used where NOW: Pensions is performing the assessment functions. Within it you will find the information that is to be included in the generic input file when uploading it to the NOW: Pensions employer portal.

Our guide explains how to use and manage the generic input file in our Gateway employer website. Please follow these guidelines if your payroll software determines your auto enrolment outputs.

We also assume the following.
• Your payroll does the categorisation.
• Any postponement dates are calculated within the payroll.
• All contribution deductions are calculated within the payroll.
• Your payroll determines auto enrolment.
• The column headings in your file exactly match those set out under ‘What
should the pension data file contain?’ (although the order’s not prescriptive).
• Your CSV file is comma delimited.

This document will help you understand the importance of keeping data clean and how you might overcome data discrepancies.

This document helps identify any potential problematic data to ensure that employee records are not being duplicated and employees are not being paid twice.

This document explains the different columns and formatting to be included in the file which is exported from the NOW: Pensions portal.

A template that can be used to bulk upload your payroll timetable. The bulk upload facility allows you to create multiple pay periods in one go. We would suggest that you have a minimum of 3 and a maximum of 12 month’s worth of future pay periods set up at any one time.

The Gateway employer website is designed to help you ensure the data is correct before you import it. Once data is committed to the database it can’t be changed. There are clear error messages and warnings which alert you to any potential problems. This guide provides additional information on the errors and warnings that you may see and how to resolve them.

Our guide is designed for different clients and different systems, so not all errors will apply to every situation.

The NOW: Pensions Gateway matching guide to help you check over the data in your pensions data file, and cross reference this with the data already held in our database.

A poster for you to print and display in your workplace that shows your employees how to log into their member account.

A poster for you to print and display in your workplace that shows your employees how to log into their member account.

A straightforward and easy-to-read guide to auto enrolment into a workplace pension which explains auto enrolment from an employee’s perspective.