Help Centre

Resource Library - Scheme Administration

Employer portal management

• Why is there a pay period 53 and what do I need to do?

Transfering in and out of the scheme

• Can I cash in the money in my workplace pension now? I’m not approaching retirement yet.
• What happens if I leave my employer or the scheme?
• What happens to an employee’s pension if they leave the company?
• How do I transfer an existing pension to my NOW: Pension scheme?
• Is a NOW: Pensions Scheme transferable?
• What would be the benefit of transferring my existing pension in to the NOW: Pension scheme?

Employee communication

• What happens to my pension contributions if I go on maternity/parental leave?
• Your pension’s key features

Managing contributions

• What happens to my pension contributions if I go on maternity/parental leave?
• What parts of an employees salary are included in the contributions?
• Do contributions include overtime pay?
• Are contributions taken before tax and NI?
• Are pension contributions taken before or after tax is calculated?

Opting in

• How can an employee opt back in?
• How do I transfer an existing pension to my NOW: Pension scheme?

Opting out

• How can an employee opt out?
• A guide to leaving the NOW: Pensions Trust
• What happens if I leave my employer or the scheme?
• What happens to an employee’s pension if they leave the company?
• How can an employee opt back in?

Resource Library - About Auto Enrolment

General information

• Can I cash in the money in my workplace pension now? I’m not approaching retirement yet.
• How does salary sacrifice work with fluctuating earnings?
• How much is the State Pension?
• Your Benefit Statement explained
• Tax relief top-up
• What is automatic enrolment?
• What are work-based pensions?
• What is auto enrolment?
• Why have I been re-enrolled again even though I opted out?
• Is there anything I can do to prevent being re-enrolled?
• Why doesn’t my enrolment letter tell me why I have been re-enrolled?
• Why didn’t I receive a postponement letter around my re-enrolment date?
• Can I opt out again after re-enrolment?
• When I was first enrolled I had special circumstances, why wasn’t I excluded from re-enrolment?
• What does my employer have to do at re-enrolment?
• What is opting out?
• What’s the difference between net pay and relief at source?
• Complete guide to re-enrolment
• What happens to my pension pot if I die before retirement?
• What are my options at retirement?
• When can I retire?
• Why do we need auto enrolment?
• Why did the government introduce auto enrolment?
• What is an opt-out period?
• Who is eligible to join?
• What happens when an eligible worker has passed their State Pension age?
• What is a Master Trust?
• What’s salary sacrifice?
• What does Defined Benefit mean?
• What does Defined Contribution mean?

Employer responsibilities

• Why have I been re-enrolled again even though I opted out?
• Is there anything I can do to prevent being re-enrolled?
• Why doesn’t my enrolment letter tell me why I have been re-enrolled?
• Why didn’t I receive a postponement letter around my re-enrolment date?
• Can I opt out again after re-enrolment?
• When I was first enrolled I had special circumstances, why wasn’t I excluded from re-enrolment?
• What does my employer have to do at re-enrolment?
• Complete guide to re-enrolment
• What happens when an eligible worker has passed their State Pension age?

Key Information

• The minimum amount you pay into your pension may have changed from 6th April 2019
• Your Benefit Statement explained

Employer contributions

• The minimum amount you pay into your pension may have changed from 6th April 2019

Employee contributions

• What happens to my pension contributions if I go on maternity/parental leave?
• The minimum amount you pay into your pension may have changed from 6th April 2019
• Your Benefit Statement explained
• Salary sacrifice – what does it mean for members?

Resource Library - About NOW: Pensions

Contact details

• Employee complaints process
• What is the NOW: Pensions postal address?

About the scheme

• What is the retirement ‘glidepath’?
• When will I receive my annual benefit statement?
• Your pension’s key features
• What fees will members and deferred members be charged?
• A guide to leaving the NOW: Pensions Trust
• What happens to my pension pot if I die before retirement?
• What are my options at retirement?
• When can I retire?
• Are member contributions paid net of basic rate tax?
• Can you accommodate salary sacrifice?
• Does NOW: Pensions tell members how much they have in their pension?

General information

• Online security
• What is the retirement ‘glidepath’?
• When will I receive my annual benefit statement?
• What should I do if I receive an email that may be fraudulent?
• How do I spot a fraudulent email?
• I received an email asking to pay money across to you, is this genuine?
• Who is NOW: Pensions?
• Is the NOW: Pensions Trust operating within the UK Governance framework?

Resource Library - Coronavirus FAQs

Contributions

• What are the latest changes to the Coronavirus Job Retention Scheme (CJRS)? 
• Is my pension fund safe during the Coronavirus pandemic?
• Can I pay less than my usual minimum contribution to my workplace pension scheme during this time?
• If I’m made redundant while I’m on furlough, what salary will my redundancy pay be based on?
• Will I still be re-enrolled in my workplace pension scheme during COVID-19?
• I’ve been furloughed. Can I return part-time?
• I pay my workplace pension contributions through a salary sacrifice scheme. What happens now I’ve been furloughed?
• What if I cancel my salary sacrifice arrangement while I’m furloughed?
• Can I cash in the money in my workplace pension now? I’m not approaching retirement yet.
• I’d like to suspend paying my workplace pension contributions until my work situation improves. How can I do this?
• If I pause my workplace pension contributions during the Coronavirus, can I re-start them at a later date?
• I can’t find any emails about my NOW: Pensions workplace pension, but can I pause my payments?
• I’d like to freeze my workplace pension contributions for three months. How can I do this?
• Can I pay less than my usual minimum contribution into my workplace pension during this time?
• My employer is shutting down. Is my workplace pension safe? 
• If the government is paying my employer to pay 80% of my salary, will my employer still be paying pension contributions, or will these be stopped?
• My employer has advised me to stop paying into my pension for the time being because of the Coronavirus. Is this right?
• Are the auto enrolment thresholds for pension schemes changing now that the government is paying some employees’ salaries?

Resource Library - Sign Up & Implementation

Managing Contributions

• The minimum amount you pay into your pension may have changed from 6th April 2019

Resource Library - Your Pension Scheme

Contributions

• What happens to my pension contributions if I go on maternity/parental leave?
• The minimum amount you pay into your pension may have changed from 6th April 2019
• Your Benefit Statement explained
• Tax relief top-up
• Salary sacrifice – what does it mean for members?

Investment questions

• Tax relief top-up
• Salary sacrifice – what does it mean for members?

Employee communications

• What happens to my pension contributions if I go on maternity/parental leave?
• How much is the State Pension?
• Tax relief top-up

Fees

• Salary sacrifice – what does it mean for members?

Resource Library - Signing Up

PDF communications

• A guide to PDF communications for employers

Resource Library - Protecting your pension

Pension scams

• I keep hearing about pension scams. How can I protect my pension savings?
• I received an email asking me to pay money to you, is this genuine?