Pensions

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Introduction

Pensions key points

The employer must include a statement regarding access to a pension scheme in the employment contract.
All employers with five or more employees are required to offer relevant employees access to a stakeholder pension.
A payroll deduction facility must be offered where stakeholder is required.
The employer must monitor and record pension contributions. All contributions must be paid by the legal due date.
The engagement terms of pension advisors should be documented.
An organisation should offer employees general information about the pension but not advice.
Employers should carefully draft any announcement that details employer pension contributions, and reserve the right to change the terms on which contributions are made.
Auto-enrolment into pension schemes will start on 1 October 2012 for organisations with 120,000 or more employees.

Downloadable document

Announcement insert - scaled employer contribution (135K)

Last Modified: 06/02/2012

Use this document to inform employees of the conditions for employer contribution towards their pension.

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Downloadable document

OPRA contribution schedule and records of payments due (132K)

Last Modified: 06/02/2012

This document sets out the OPRA contribution schedule and records of payments due.

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Downloadable document

Pension contribution design issues (133K)

Last Modified: 06/02/2012

Use this document to store pension contribution design issues.

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Downloadable document

Pension scheme application form (132K)

Last Modified: 06/02/2012

Employees should use this form to agree to a salary exchange arrangement.

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Salary deduction authorisation and employee procedure statement (129K)

Last Modified: 06/02/2012

The employee should use this statement to confirm the level of contribution that will be deducted from their salary.

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Downloadable document

Stakeholder pension announcement (128K)

Last Modified: 06/02/2012

Use this document to announce the establishment of a stakeholder pension.

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Downloadable document

Stakeholder pension application and administrative procedures (136K)

Last Modified: 06/02/2012

This document sets out the administrative procedures for the stakeholder pension application.

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Downloadable document

Stakeholder pension consultation letter (123K)

Last Modified: 06/02/2012

Use this letter to announce the introduction of a stakeholder pension.

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Pensions case study (136K)

Last Modified: 21/07/2011

This case study looks at the two main types of pension scheme.

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Employee outlook on pensions 2011 (344K)

Last Modified: 01/02/2011

This research examines employee attitudes towards pensions.

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Pensions policies and documents