Do the new pension duties apply to me?
If you employ one or more workers in the UK then the new duties apply to you. You’ll have to set up a workplace pension and automatically enrol any workers who meet the age and earnings requirements. You’ll have to enrol any workers who ask and may have to make a contribution to the retirement pot of some or all of your workers.
Find out more about the new pension rules
My organisation already offers a workplace pension scheme. Do I still have to set up a scheme and automatically enrol my workers?
You may have to automatically enrol workers who are not currently saving in your workplace pension, depending on their age and how much they earn.
In addition, your current scheme may not meet the standards required of an automatic enrolment pension scheme.
Find out more about the requirements for an auto enrolment pension scheme on The Pensions Regulator website (opens in a new window).
When I’ve chosen a provider will they do everything else for me?
No. There’s a lot to do around auto enrolment that your provider won’t or can’t do. This includes assessing your workforce, making changes to your payroll and HR processes, setting up contribution schedules and managing opt outs.
You should start preparing early for auto enrolment to make sure you’re ready for your staging date.
Find out more about what you need to do to get ready for auto enrolment
You could also get help from a third party, such as your accountant, payroll provider or a financial adviser.
Find out more about getting help managing NEST
How long will it take to set up a scheme?
This depends on:
- how many workers there are in your organisation
- how many different pay periods you have for your workers
- how much variation you want to make in what different workers get
Some of the biggest organisations with complicated pay and entitlement arrangements have taken a year or more to get ready. For smaller organisations we recommend starting at least six months before your staging date. This will help make sure you have time for everything you need to do.
Find out more about what you need to do to get ready
As a self-employed person do I have to provide a pension scheme for myself?
No, but it’s still a good idea to start saving for your retirement if you’re not doing so already.
Find out about registering with NEST as a self-employed person
How do I bring my staging date forward?
You can bring your staging date forward by filling out an online form on The Pensions Regulator’s website (opens in a new window).
Do I enrol workers who we employ outside of the UK?
The Pensions Regulator can help you with questions about automatic enrolment. You can find out more on their website (opens in a new window).
How do I register with The Pensions Regulator?
To register you’ll need to go to The Pensions Regulator’s website (opens in a new window) and answer some questions.
You’ll be asked for information about your organisation and about the scheme you’re using to meet your duties.
You’ll need your unique employer NEST ID to hand. This is the ID we gave you when you set up your scheme and it’s on all the communications we send you. It starts with ‘EMP’, followed by a nine digit number.
You’ll be asked whether you’re using a personal pension scheme or an occupational pension scheme - NEST is an occupational pension scheme.
You must register with The Pensions Regulator within five months of your employer staging date. You should have enrolled all eligible jobholders by this point.
Do I need to register NEST with HMRC?
No, NEST is an occupational pension scheme already registered with HMRC. You only need to register with The Pensions Regulator (TPR) to tell them you’re using NEST and answer some questions about your organisation. This is called a declaration of compliance (opens in new window).
Do I need to do anything else for workers who opt out or stop contributing?
Every three years you’ll need to reassess your workers to see whether any of them need to be re-enrolled into NEST. This is a separate process to the usual worker assessment that you run at each pay reference period. The workers you’ll need to reassess are those who have stopped making contributions or opted out over 12 months before your re-enrolment date. You can find out more in our help centre and on The Pensions Regulator website (opens in a new window).