Help Centre for Employers

“Welcome to the Employers toolkit. Let me give you a quick tour.”

The Help Centre can help with attracting new business, educating your clients and also supporting them.

1. You will be given 3 options to choose from. They will all include documents to read and distribute and also helpful video tutorials which you can share with your clients.

2. Below the toolkit button are helpful topics to help you understand the application process and and step by step guide of how to sign up and what to do once you’ve signed up.

3. To continue with your application click the ‘Continue your application’ button below the helpful topics on the left.

General Awareness Pre-Staging Communications & Employee Education Support

Resource Library - Collateral

Collateral - Introduction


These resources will guide you through everything you need to know about NOW: Pensions and what we offer to our clients and members


This section offers you a full guide to everything you need to know about Auto Enrolment and your responsibilities, whether you are an employer, payroll bureau or an adviser.


Documents in this section will help you sign up to the NOW: Pensions scheme, set up your Direct Debits and help with communications.


Find out how to login, verify company details, employer/admin role account setup, postponement decisions and importing employee data in this section.


Everything an employee needs to know about auto enrolment and the NOW: Pensions scheme can be found here. Including some useful templates for to help you communicate with them.


This section contains everything you need to know about managing your NOW: Pensions Gateway site.


This section includes logging in for the first time, creating additional users for the site, verifying client’s details, setting up client’s payroll details, importing client data, retrieving opt in and opt out data and viewing, amending employee Data and much more.


This section contains an interesting collection of policy findings, reports and white papers.

Resource Library - About NOW: Pensions

These resources will guide you through everything you need to know about NOW: Pensions and what we offer to our clients and members

Have auto enrolment minimum contribution increases been delayed?
NOW: Pensions | A sophisticated approach to multi asset investing brochure
NOW: Pensions features and benefits brochure
NOW: Pensions Gateway key features

The NOW: Pensions Gateway makes auto enrolment administration a breeze, here’s how:

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Why NOW: Pensions for Employers

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.

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Auto enrolment costs and charges

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.

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An introduction to auto enrolment contributions

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.

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For employers: Guide to signing up to the NOW: Pensions scheme

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.

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The NOW: Pensions auto enrolment solution

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.

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Information poster suite

This is an employee education poster package highlighting different auto enrolment messages with contact details (web and phone). Useful for employers to display in their workplace to educate their staff who would like more information on the new legislation.

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The NOW: Pensions investment approach

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.

Please note we will be making some changes to this as of the 1st June 2016, please read our announcement of changes document for further details.

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For members: Your pension’s key features

A summary of the key points employee’s need to know about their pension. It includes a brief description of auto enrolment, how the pension arrangement works, what tax relief means, how much their pension will cost and frequently asked questions.

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A member’s guide to investments

This education brochure details how NOW: Pensions manages a member’s pension savings and how we invest employer and employee contributions. It also includes information on how we look after the money now and in the future.

brochure

Resource Library - About auto enrolment

This section offers you a full guide to everything you need to know about Auto Enrolment and your responsibilities, whether you are an employer, payroll bureau or an adviser.

An Employee’s Guide to Auto Enrolment

A succinct easy to read guide which explains auto enrolment from an employee’s perspective.

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An introduction to auto enrolment

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.

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Step by step guide to auto enrolment

This step by step guide will help you understand what is expected of you and how employees may be affected. The steps a broken down to 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.

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Member booklet

A booklet provided to members of the NOW: Pensions scheme explaining how their money is invested, transferring in other pensions, charges, who to contact and frequently asked questions.

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Understanding auto re-enrolment

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

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PowerPoint: Introducing your workplace pension

A presentation for employees which highlights: What is auto enrolment, why it is happening, how does it affect me, when will I be auto enrolled, costs, when and how can I take the benefits, what if I don’t join and information about NOW: Pensions.

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3 minute guide to NOW: Pensions

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

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Initial and ongoing employer duties

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.

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For members: What can you do with your pension pot

A two page document explaining the new pensions regulations on freedom and flexibility in retirement that came out on 6th April 2015 and the options that are available.

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Resource Library - Signing up

Documents in this section will help you sign up to the NOW: Pensions scheme, set up your Direct Debits and help with communications.

Direct Debit instruction for contributions

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

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Direct Debit instruction for charges

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

form
For employers: Guide to signing up to the NOW: Pensions scheme

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.

brochure

Resource Library - Employer site set up

Find out how to login, verify company details, employer/admin role account setup, postponement decisions and importing employee data in this section.

Guide to Common Errors and Warnings

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.

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Guide to Employee Action File

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.

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Auto enrolment duties for new businesses

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.

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Gateway Member Matching Guide

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.

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NOW: Pensions Gateway user guide

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

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Your data files explained

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.

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Checklist to complete before your staging date

Download our ‘next steps’ checklist. This details all the things you need to do before and after your pension is set up online in your employer portal. The steps are quite straightforward.

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Resource Library - Employee communication

Everything an employee needs to know about auto enrolment and the NOW: Pensions scheme can be found here. Including some useful templates for to help you communicate with them.

Auto enrolment duties for new businesses

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.

brochure
Gateway Member Matching Guide

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.

brochure
Template: Tell employees when their contributions will be increasing

A letter which employers can give to their employees telling them when their contributions will be increased.

template
An Employee’s Guide to Auto Enrolment

A succinct easy to read guide which explains auto enrolment from an employee’s perspective.

brochure
Member booklet

A booklet provided to members of the NOW: Pensions scheme explaining how their money is invested, transferring in other pensions, charges, who to contact and frequently asked questions.

brochure
Template: Tell your employees auto enrolment is coming

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.

template
PowerPoint: Introducing your workplace pension

A presentation for employees which highlights: What is auto enrolment, why it is happening, how does it affect me, when will I be auto enrolled, costs, when and how can I take the benefits, what if I don’t join and information about NOW: Pensions.

template
Template: Tell your employees auto enrolment is coming

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.

template
Information poster suite

This is an employee education poster package highlighting different auto enrolment messages with contact details (web and phone). Useful for employers to display in their workplace to educate their staff who would like more information on the new legislation.

poster
Expression of wish form

This document is for members to fill in outlining how they would like to allocate their scheme benefit should they pass away.

form
For members: What can you do with your pension pot

A two page document explaining the new pensions regulations on freedom and flexibility in retirement that came out on 6th April 2015 and the options that are available.

brochure
For members: Your pension’s key features

A summary of the key points employee’s need to know about their pension. It includes a brief description of auto enrolment, how the pension arrangement works, what tax relief means, how much their pension will cost and frequently asked questions.

brochure
A member’s guide to investments

This education brochure details how NOW: Pensions manages a member’s pension savings and how we invest employer and employee contributions. It also includes information on how we look after the money now and in the future.

brochure

Resource Library - Employer site management

This section contains everything you need to know about managing your NOW: Pensions Gateway site.

Guide to Common Errors and Warnings

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.

brochure
Guide to Employee Action File

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.

brochure
Auto enrolment duties for new businesses

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.

brochure
Gateway Member Matching Guide

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.

brochure
NOW: Pensions Gateway user guide

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

brochure
Your data files explained

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.

brochure
Checklist to complete before your staging date

Download our ‘next steps’ checklist. This details all the things you need to do before and after your pension is set up online in your employer portal. The steps are quite straightforward.

template

Resource Library - Bureau site management

This section includes logging in for the first time, creating additional users for the site, verifying client’s details, setting up client’s payroll details, importing client data, retrieving opt in and opt out data and viewing, amending employee Data and much more.

Auto enrolment duties for new businesses

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.

brochure
Gateway Member Matching Guide

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.

brochure

Resource Library - Reports & white papers

This section contains an interesting collection of policy findings, reports and white papers.

Pensions Policy Institute report: An international comparison of employer and employee contributions in DC Pensions Schemes

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.

reports
Pensions Policy Institute report into automatic enrolment changes

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.

reports
Value for money – Assessing value for money in defined contribution default funds

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.

reports
Pensions 2022 – A vision of the future

“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.

whitepapers
Policy of Social Responsibility in Investments – NOW: Pensions Trust

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.

videos

Resource Library - About Auto Enrolment

Resource Library - Signing Up

Resource Library - Setting Up

Resource Library - Scheme Administration

Managing contributions

Resource Library - About NOW: Pensions

There is a need for a member-centric solution designed for ease of use with low costs and cutting edge investment strategy, which delivers long term stable returns. ATP's in-house investment capabilities, combined with our novel and innovative… — Lars Rohde, Governor of the National Bank of Denmark and Former CEO of ATP Group
NOW: Pensions' risk management and diversified growth fund are state of the art. — Win Robbins, former Head of European Fixed Income Barclays Global Investors
Over a short period of time, NOW: Pensions has established itself as a respected and credible player in the UK workplace pensions market attracting thousands of employers and hundreds of thousands of members. Joining the team at such a crucial time… — Jocelyn Blackwell, Founder of Dunnett Shaw and Raising Standards in Pensions Administration
I firmly believe in NOW: Pensions' principle that everyone deserves the right to a better retirement. I look forward to being part of the team which aims to achieve this in the UK. — Win Robbins, former Head of European Fixed Income Barclays Global Investors
…We pride ourselves on our abilities to make the perfect match for both clients and workers. Our decision to appoint NOW: Pensions came as a result of wanting a quality workplace pension scheme that is structured, simple and easy for us to… — Ian Naylor, Legal Director of Randstad