Auto Enrolment Rates: HR Compliance Guide
Auto enrolment rates determine the minimum pension contributions employers and workers must make into a qualifying workplace pension scheme. Since the introduction of auto enrolment under the Pensions Act 2008, contribution rates have become a core compliance issue for HR professionals. Ensuring the correct rates are applied in payroll, monitoring earnings thresholds and managing communications […]
Pension Qualifying Earnings Guide UK
Pension qualifying earnings form the basis of many statutory employer duties under the UK workplace pension and automatic enrolment regime. For HR professionals and business owners, understanding how qualifying earnings operate, how they are assessed and how they influence pension contributions is central to compliance. The rules extend beyond simple payroll calculations, shaping decisions around […]
Employer Pension Schemes Explained for HR
Employer pension schemes form a core part of the UK employment landscape and represent one of the most significant financial commitments an employer makes to its workforce. Pension provision influences workforce retention, contributes to reward strategy, and carries statutory compliance duties that employers cannot overlook. Since the introduction of auto-enrolment, the regulatory framework around workplace […]
Withdrawing a Workplace Pension: HR Guidance
Most employees assume that withdrawing a workplace pension is a simple administrative step they can request from their employer. For HR professionals and business owners, the reality is more complex. Pension access is controlled by UK pensions legislation, tax rules and scheme-specific requirements, meaning withdrawals are tightly regulated and often misunderstood. Employers must also avoid […]
Auto Enrolment Pension Rules for Employers
Auto enrolment is a statutory duty placed on UK employers to ensure workers are enrolled into a qualifying workplace pension scheme and receive the minimum level of pension contributions. The framework was introduced under the Pensions Act 2008 to increase retirement savings across the workforce, and it imposes specific legal obligations on employers from the […]
Workplace Pension Rules for Employers
Workplace pensions form a core part of the UK’s employment framework, ensuring that staff save for retirement through a statutory system of automatic enrolment. Since the introduction of the Pensions Act 2008, every employer has been legally responsible for assessing their workforce, enrolling eligible staff, funding minimum pension contributions, and maintaining ongoing compliance. These duties […]
SIPP and Workplace Pensions: HR Compliance Guide
Employees are increasingly using Self-Invested Personal Pensions (SIPPs) alongside workplace pension schemes. For HR professionals and business owners, this creates a need to understand the legal, tax and operational implications of employees running two separate pension arrangements. UK employment law is clear about what employers must do, what employees are allowed to do independently and […]
SIPP v Workplace Pension: HR Legal Guide
Choosing the right pension arrangements is a core part of HR governance. Employers must meet strict auto-enrolment duties, maintain a compliant workplace pension scheme and communicate clearly with staff about their rights and options. At the same time, some employees—particularly higher earners, senior managers and individuals with external advisers—may express interest in funding a Self-Invested […]
Opting Out of Workplace Pensions
Opting out of a workplace pension is a routine but highly regulated part of managing employee pension rights in the UK. The law requires employers to automatically enrol eligible workers into a qualifying pension scheme and gives those workers the right to opt out if they choose to. For HR professionals and business owners, the […]
Pension Contributions: HR Legal Guide
Pension contributions are a core part of the employer’s statutory duties under UK employment law. For HR professionals and business owners, understanding the legal rules governing workplace pension contributions is critical to managing payroll, ensuring compliance with The Pensions Regulator (TPR), and protecting the organisation from enforcement action. Pension contributions sit at the intersection of […]