Auto enrolment. It's not too late

Missed your auto enrolment staging date? Don’t worry – in just 3 simple steps, NOW: Pensions can help you to get back on track and set up a compliant workplace pension scheme.

                                                             <<See steps>>





Three steps to getting back on track

Step 1: Complete the online application

Register online with us if you haven’t already done so. You will be asked to confirm your email address and to log in to the website where you can start the online application, which should take you around 15-20 minutes. On completion a legal agreement will be produced which can be approved online without the need for a wet signature.

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Step 2: Contact The Pensions Regulator

You will need to contact The Pensions Regulator (TPR) on 0845 600 1011 (Option 3) to let them know you have selected the NOW: Pensions Trust as your auto enrolment pension provider. TPR will ask you for the following:

  • PAYE reference number, and

  • Letter code (you can find this on your staging date letter from TPR)


Step 3: Getting back on track

The Pensions Regulator will advise you to rectify the situation as soon as possible ensuring your employees are in the same position they would have been in if you had complied with the regulations. How this is done is at your discretion. If you have missed your staging date here are some possible actions you could take:

  • If you are less than 3 months past your staging date, you could deduct and pay back the missed contributions for all affected jobholders

  • If you are more than 3 months past your staging date, you could cover the cost of both the employee and employer contributions from your original staging date to the current date

Some employers have postponed their implementation of auto enrolment, however, postponement cannot be used unless the relevant communications were issued to all your employees within six weeks of your staging date. If you haven’t yet communicated to your employees you will need to, so that they know what has happened.


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Our broker recommended NOW: Pensions, as they believed it would be our best option. We have not been disappointed, the NOW: Pensions customer support teams are great and always available. — Bromborough Paint & Building Supplies Ltd
NOW: Pensions was attractive to us because the staff were very helpful and they sent over all the information required. This made the decision easy. — Metro Surveillance Group Ltd
NOW: Pensions has a good technical infrastructure combined with a pension product suitable for our team. We couldn’t be happier with NOW: Pensions. — Martin Woods,
I am backing NOW: Pensions, the ATP project, because I believe it will encourage transparency, low costs and decent returns for millions of British employees. — Nigel Waterson, former Shadow Pensions Minister
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 approach, allow us… — Lars Rohde, Governor of the National Bank of Denmark and Former CEO of ATP Group