{"id":8972,"date":"2018-04-02T11:42:30","date_gmt":"2018-04-02T10:42:30","guid":{"rendered":"https:\/\/www.docswizard.co.uk\/?p=8972"},"modified":"2023-11-08T16:39:51","modified_gmt":"2023-11-08T16:39:51","slug":"10-5-top-tips-on-pensions","status":"publish","type":"post","link":"https:\/\/www.docswizard.co.uk\/10-5-top-tips-on-pensions\/","title":{"rendered":"10.5 Top Tips on Pensions and Auto Enrolment"},"content":{"rendered":"

 <\/p>\n

\"\"<\/h3>\n

Do\u2019s<\/h3>\n
    \n
  1. Do keep as many records relating to your pension as possible, including dates, letters and correspondence. You may well be asked for it down the line, especially if an employee queries what has been done and why.<\/li>\n
  2. Do take time to educate your staff about pensions \u2013 how your scheme works, how they can opt in or out, why its important to save for after retirement etc. It\u2019s a topic a lot of people know little about, so invest some time in it.<\/li>\n
  3. Do use Docs Wizard to save you time and effort drafting multiple letters for staff! You don\u2019t have to make life hard for yourself, so let Docs Wizard take some of the stress!<\/li>\n
  4. Do remember that the earnings thresholds for pensions enrolment changes every tax year, so keep an eye on these to avoid being non-compliant<\/li>\n
  5. Do insert a pension postponement clause into the contract of new starters \u2013 especially if they have a probation period! This will save sending out a postponement letter to all new starters.<\/li>\n<\/ol>\n

    Don\u2019ts<\/h3>\n
      \n
    1. Don\u2019t be seen to put any pressure on an employee or candidate to opt-out of your pension scheme. This is illegal and could result in a fine. In the same way don\u2019t be tempted to or drawn into giving your employees financial advice \u2013 you are not qualified to do so.<\/li>\n
    2. Don\u2019t forget to submit your declaration of compliance to The Pensions Regulator. This must be sent off after your staging dates, and then after every restaging date (every 3 years).<\/li>\n
    3. Don\u2019t forget to offer your pension scheme to new starters. Any delays in following your legal obligations could lead to a large fine.<\/li>\n
    4. Don\u2019t automatically remove staff who fall below the thresholds. Once they are in, they are in! (unless they opt-out themselves).<\/li>\n
    5. Forget to keep communicating with your employees \u2013 about when they get pension statements, when contributions are increasing, why pensions are important, how staff can increase contributions if they wish to do so etc.<\/li>\n<\/ol>\n

      And Finally\u2026<\/h3>\n

      This is a complex and specialist topic so if you have had pensions \u2018dumped\u2019 on your desk then take some time to get educated about the topic so it feels less like wading through a muddy swamp everytime someone asks you a question about it.<\/p>\n","protected":false},"excerpt":{"rendered":"

        Do\u2019s Do keep as many records relating to your pension as possible, including dates, letters and correspondence. You may…<\/p>\n","protected":false},"author":204,"featured_media":22908,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"pmpro_default_level":0,"footnotes":""},"categories":[1],"tags":[],"yoast_head":"\n10.5 Top Tips on Pensions and Auto Enrolment - Docs Wizard<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.docswizard.co.uk\/10-5-top-tips-on-pensions\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"10.5 Top Tips on Pensions and Auto Enrolment - Docs Wizard\" \/>\n<meta property=\"og:description\" content=\"  Do\u2019s Do keep as many records relating to your pension as possible, including dates, letters and correspondence. 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