Help Centre for Employees

Resource Library - Setting Up

Employer site set up

• I don’t have a pay period 53, what should I do?
• Why is there a pay period 53 and what do I need to do?

Definitions

• What does Defined Benefit mean?
• What does Defined Contribution mean?

Resource Library - Signing Up

Contribution model & charges

• What fees will members and deferred members be charged?
• Can you accommodate salary sacrifice?
• 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?

Resource Library - About Auto Enrolment

Employer responsibilities

• What happens when an eligible worker has passed their State Pension age?

Employee contributions

• Your Benefit Statement explained

General information

• How does salary sacrifice work with fluctuating earnings?
• Who is the Cardano Group?
• Your Benefit Statement explained
• What is GDPR?
• What is automatic enrolment?
• What are work-based pensions?
• What is auto enrolment?
• What is opting out?
• What’s the difference between net pay and relief at source?
• What are my options at retirement?
• When can I retire?
• Why do we need auto enrolment?
• What is an opt-out period?
• Who is eligible to join?
• Who is NOW: Pensions?
• 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?

Resource Library - About NOW: Pensions

About the scheme

• How can I opt out?
• How can I opt in?
• Activating your member account
• How do I access my NOW: Pensions Gateway member site? How do I find out how much is in my pension?
• What fees will members and deferred members be charged?
• What happens if I leave my employer or the scheme?
• What happens to my pension pot if I die before retirement?
• When can I retire?
• Can you accommodate salary sacrifice?
• Is the NOW: Pensions Trust operating within the UK Governance framework?

General information

• Online security
• 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?
• Is the NOW: Pensions Trust operating within the UK Governance framework?

Contact details

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

Resource Library - Scheme Administration

Opting in

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

Opting out

• How can I opt out?
• How can I opt in?
• What is opting out?
• What happens if I leave my employer or the scheme?
• What happens to an employee’s pension if they leave the company?
• What is an opt-out period?

Employer site management

• I don’t have a pay period 53, what should I do?
• Why is there a pay period 53 and what do I need to do?
• What would be the benefit of transferring my existing pension in to the NOW: Pension scheme?

Transferring in and out of the scheme

• What happens if I leave my employer or the scheme?
• What happens to an employee’s pension if they leave the company?
• Is a NOW: Pensions Scheme transferable?
• What would be the benefit of transferring my existing pension in to the NOW: Pension scheme?

Employee communication

• How do I avoid pension scams?
• A guide to PDF communications for employers

Managing contributions

• How does salary sacrifice work with fluctuating earnings?
• Your Benefit Statement explained
• Your pension’s key features
• What parts of an employees salary are included in the contributions?
• Do contributions include overtime pay?
• Are contributions taken before tax and NI?
• What’s salary sacrifice?
• Are pension contributions taken before or after tax is calculated?