Help Centre for Employers

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

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.

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.

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

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.

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

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.

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.

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.

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 guide highlights some of the most frequent errors (in no particular order) encountered when uploading payroll files the NOW: Pensions Gateway and provides guidance to overcome these issues should they arise.

This document sets out the specification for the file format and content relating to the Payroll interface that will be provided by NOW: Pensions at the beginning of the pay cycle.

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.

The NOW: Pensions Gateway provides employers with a simple and modern interface to manage pension submissions for their employees.

This guide has been created to help you understand what a good file looks like so you understand how some errors happen and why they can cause problems.

The NOW: Pensions Gateway makes auto enrolment administration a breeze.

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 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 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.

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.

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.

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.

This guide highlights some of the most frequent errors (in no particular order) encountered when uploading payroll files the NOW: Pensions Gateway and provides guidance to overcome these issues should they arise.

This document sets out the specification for the file format and content relating to the Payroll interface that will be provided by NOW: Pensions at the beginning of the pay cycle.

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.

The NOW: Pensions Gateway provides employers with a simple and modern interface to manage pension submissions for their employees.

This guide has been created to help you understand what a good file looks like so you understand how some errors happen and why they can cause problems.

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.