Earnie. Pension and OpenEnrol FAQ. Software Support
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- Charleen Watts
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1 Earnie Pension and OpenEnrol FA 1
2 Contents Worker Status... 4 What is the definition of a worker?... 4 What s the difference between a worker and an employee?... 4 Who do I need to automatically enrol?... 4 Contributions... 5 Do I have to contribute to my workers pension?... 5 What are the minimum contributions?... 5 Opting Out and Opting In... 5 What is the Opt-out Period?... 5 Who can opt-out?... 5 What should I do if my employee hands me an opt-out form?... 6 What details do you have to fill in when an employee opts out?... 6 How do I refund pension contributions taken from the employee?... 6 How do I notify my Pension Provider an employee has opted out?... 7 Can an employee opt-in during the company Postponement Period?... 7 Postponement... 7 Can a Staging Date be moved forward?... 7 When does the Postponement Period configured in the software apply?... 7 When can I apply postponement?... 8 How do you postpone individual employees?... 8 How long can I postpone an employee for?... 8 What date is used when postponing employees to the start of the next payroll period?... 8 What date are employees postponed from?... 8 Can I postpone an employee more than once?... 9 I have a new employee after my Staging Date but I want them to have the same Deferral Date as my existing employees applied at Staging What if I m using Postponement at staging but my Staging Date was in the previous tax year? 10 I ve purchased the AE Module after my Staging Date, what do I do? Auto enrolment Assessment What is a Pay Reference Period? Why is the Payroll Calendar important? How is a new employee assessed when the payroll cut off is missed? What I do if I buy the module after everyone is already enrolled? What is the difference between qualifying and pensionable earnings? Pensions and Providers How do I setup a NEST pension deduction? Where do we find our NEST Group and Payment Source?
3 How should I configure my NEST Group and Payment Source? Can we have more than one pension provider for a company? When are pension payments due to be paid to the pension provider? How long can we withhold pension payments to the pension agency for? I ve withheld my employee s contributions, when the employee opts out, how do I remove the contribution value from the file? When creating the Pension file, what date should I enter? What Pension files do you support? What should I do if my pension file is not available as standard? What are the Output File Fields in Employee details for? What is the process for employees in an existing qualifying pension scheme? What is the reason for reduced contributions for? What reports can I produce/should I keep? Communications I am running payroll on behalf of a company - who sends the pension communications? OpenEnrol/OpenPayslips Where do I enable OpenEnrol in the software? Can OpenEnrol be switched on retrospectively? How do I inform employees that automatic enrolment is coming? Can I change the address I used to set up OpenEnrol? What happens if someone leaves and no-one knows the business log in details? What happens if I m already using OpenPayslips and now want OpenEnrol? How do I change the business logo and signature?
4 Worker Status What is the definition of a worker? An individual aged between16 and 74 inclusive. Earnings Up to and including lower earnings threshold ( 5,772.00) Between 5, and 10, inclusive Over earnings trigger for automatic enrolment ( 10,000.01) Age (Inclusive) SPA SPA-74 Entitled worker Non-eligible jobholder Non-eligible jobholder Eligible jobholder Non-eligible jobholder What s the difference between a worker and an employee? Generally, an employee works under a contract of employment. A contract doesn t need to be in writing; it exists when you and your employer agree terms and conditions of employment. The contract normally sets out what work the individual is expected to do and the fact that they will be expected to do the work. Put simply, the individual cannot send someone else to do the work for them. A worker for automatic enrolment purposes is: an employee under a contract of employment aged between 16 and 74 inclusive who works or normally works in the UK Who do I need to automatically enrol? Any Eligible Jobholders must be automatically enrolled in to a pension scheme. Non-eligible Jobholders have the right to opt-in and Entitled Workers can choose to join. 4
5 Contributions Do I have to contribute to my workers pension? As an employer you must contribute to the pension of your Eligible Jobholders and Non-eligible Jobholders. What are the minimum contributions? Minimum contributions are being phased in gradually over the next few years to help employers comply with their new duties. Until September 2017, the minimum contribution is 2% and of this the employer must pay at least 1%. For more information see the Pension Guide. Opting Out and Opting In What is the Opt-out Period? Legislation states the Opt-out Period is one month, however some pension schemes have a longer optout period. You need to check this with your pension provider. For Occupational Pension schemes, the opt-out period starts from the later of the date the jobholder: Becomes an active member with effect from the automatic enrolment date (i.e. the date that the administrative steps for achieving active membership are completed), or Is given written enrolment information For Personal Pension schemes, the opt-out period starts from the later of when the jobholder is: Given the terms and conditions of the agreement to become an active member or Given written enrolment information Who can opt-out? The following workers have the right to opt-out of a pension if they are within the Opt-out Period: An Eligible jobholder who was automatically enrolled An Eligible jobholder who opted in A Non-eligible jobholder who opted in Entitled Workers do not have the right to opt-out of a pension scheme; if they no longer wish to contribute they must cease contributions in line with the scheme rules. 5
6 What should I do if my employee hands me an opt-out form? You should check the opt-out form is valid. If the opt-out form is invalid, the opt-out period is extended for a further 2 weeks. What details do you have to fill in when an employee opts out? You should enter the Opt-out Date and the Opt-out Reference Number in Employee details. How do I refund pension contributions taken from the employee? This depends on: Your pension configuration Whether the employee s earnings for the pension deduction were the same each period If you have just moved in to the new tax year Example: Where the employee s earnings for the pension deduction are the same each pay period and the refund is due in the same tax year as the enrolment date (the pension deduction is 1% of the employee s Salary): You could enter a negative percentage in the Standard field in the next pay period Process the payroll The pension payment/deduction refund value must not exceed the pension payment/deduction year to-date value Example: Where the employee s earnings for the pension deduction are different each pay period and the refund is due in the same tax year as the enrolment date (the pension deduction is 1% of the total hours paid to the employee): You could enter a negative percentage in the Standard field in the next pay period (the percentage value may vary depending on the amount of pension deduction to refund) or You could create a new Value type payment/deduction to refund the total pension contributions deducted - the Category must be the same as the original payment/deduction Process the payroll to refund the pension contributions The pension payment/deduction refund value must not exceed the pension payment/deduction year to-date value 6
7 How do I notify my Pension Provider an employee has opted out? This depends on your Pension Provider. You should contact your pension provider for more information. NEST have provision for employees to opt-out via their automated service or via a paper form to hand to their employer. If an employee opts out via NEST s automated service, NEST will inform the employer that the employee has opted out. You can obtain a list of your opted-out employees via your NEST account. If an employee hands you a NEST optout form, once you have checked the form is valid and entered the details in the employee record when creating the NEST Contribution Schedule the opt-out details will be included. Can an employee opt-in during the company Postponement Period? Yes. Eligible jobholders and a non-eligible jobholders can opt-in to the pension scheme during the Postponement Period. Entitled workers can also choose to join the pension scheme. Postponement Can a Staging Date be moved forward? Yes, you can bring the Staging Date forward but you cannot delay it. You can, however, choose to apply postponement for up to 3 months from the Staging Date. For more information about bringing your Staging Date forward see When does the Postponement Period configured in the software apply? Once configured, postponement will apply when any of the following criteria is met: At your Staging Date for all workers On the first day of employment after Staging Date, i.e. the worker s Start Date On the date a worker meets the criteria to be an eligible jobholder after the Staging Date 7
8 When can I apply postponement? You can choose to apply postponement: On your Staging Date for all workers On the first day of employment after Staging Date, i.e. the worker s Start Date On the date a worker meets the criteria to be an eligible jobholder after the Staging Date How do you postpone individual employees? After Staging Date, postponement is applied to individual employees on their start date regardless of their Worker Status or if they met the criteria to be an eligible jobholder. How long can I postpone an employee for? You can postpone an employee for up to 3 calendar months. What date is used when postponing employees to the start of the next payroll period? The payroll sets the Deferral Date to the start of the Pay Reference Period. What date are employees postponed from? The Postponement Period will start from different dates depending on when the employee met the criteria to be postponed and whether your company s Staging Date has passed or not. At Staging Date Postponement criteria Existing employee assessed as an eligible jobholder New employee in the Pay Reference Period assessed as an eligible jobholder. The employee s start date is after Staging Date. Existing employee assessed as an eligible jobholder and their 22 nd birthday is in the Pay Reference Period after the Staging Date New employee in the Pay Reference Period assessed as an eligible jobholder and their 22 nd birthday is in the Pay Reference Period after the Staging Date Postponement applied from Staging Date Employee s Start Date Employee s 22 nd birthday The later of the employee s 22 nd birthday or Start Date 8
9 After Staging Date Postponement criteria Existing employee assessed as an eligible jobholder and they are not in a Postponement Period Existing employee assessed as an eligible jobholder and they are in a Postponement Period Existing employee assessed as a non-eligible jobholder Existing employee assessed as an entitled worker New employee in the Pay Reference Period assessed as an eligible jobholder New employee in the Pay Reference Period assessed as a noneligible jobholder New employee in the Pay Reference Period assessed as an entitled worker Existing employee assessed as an eligible jobholder and their 22 nd birthday is in the Pay Reference Period after the Staging Date New employee in the Pay Reference Period assessed as an eligible jobholder and their 22 nd birthday is in the Pay Reference Period after the Staging Date Postponement applied from Start of the Pay Reference Period No postponement applied already in postponement No postponement applied not eligible to be postponed No postponement applied not eligible to be postponed Employee s Start Date Employee s Start Date Employee s Start Date Employee s 22 nd birthday The later of the employee s 22 nd birthday or Start Date Can I postpone an employee more than once? Yes. You can apply postponement to an eligible jobholder multiple times, providing there is a break in the Postponement Period. This means on the Deferral Date, if an employee is classed as a noneligible jobholder or entitled worker, you can apply postponement again to the employee when they meet the criteria for an eligible jobholder. Applying postponement in this way for non-eligible jobholders and entitled workers will cover a spike in earnings, such as a bonus paid at Christmas. For an example of using postponement multiple times, see the Pension Guide. 9
10 I have a new employee after my Staging Date but I want them to have the same Deferral Date as my existing employees applied at Staging. If you want the new employee s Deferral Date to be the same as the one applied to existing employees at Staging Date you should enter the Deferral Date manually on the employee record. If the new employee is assessed and postponed via the payroll, the employee s Deferral Date will be their start date plus the Postponement Period. What if I m using Postponement at staging but my Staging Date was in the previous tax year? Where your Staging Date is in the previous tax year and the Pay Reference Period spans the tax year, the Postponement Period will be applied to employees at Staging Date. For example, a monthly paid employee could have a Pay Reference Period from 1 st April to 30 th April; the payroll will apply the Postponement Period from Staging Date. If your Staging Date is in a Pay Reference Period prior to the current one and it s in the previous tax year, you will need to manually apply the Postponement Period to the employee. I ve purchased the AE Module after my Staging Date, what do I do? If you have purchased the AE Module after your Staging Date and you want to apply postponement from staging, but you have already calculated the payroll for the current pay period: If your Staging Date is in the current Pay Reference Period: You can enter the Deferral Date manually for all applicable employees OR You can rerun the payroll and the Deferral Date will be applied to all applicable employees. There is no need to change any of the calculated values within the payroll, all existing employees will have the postponement applied from the Staging Date and all new employees that have a Start Date after the Staging Date within the Pay Reference Period, will have the postponement applied from their Start Date not the Staging Date. If your Staging Date was in the previous Pay Reference Period to the current one: You can enter the Deferral Date manually for all applicable employees OR Use the Import Data feature 10
11 If you have purchased the AE Module after your Staging Date has passed and you don t want to apply postponement from staging but you have already calculated the payroll for the current pay period: If your Staging Date is in the current Pay Reference Period and you haven t paid your employees yet: Rerun the payroll and the Automatic Enrolment Date will be applied to all eligible jobholders. Their calculated values within the payroll will change due to pension deductions. All eligible jobholders will be automatically enrolled and pension deductions taken, all non-eligible jobholders and entitled workers will be set accordingly If your Staging Date was in the previous Pay Reference Period to the current one: You should speak to your pension provider for advice on how to deal with passing your Staging Date without assessing any employees in the Pay Reference Period Auto enrolment Assessment What is a Pay Reference Period? This is the period of time an employee s auto enrolment assessment is based on; the period by reference to which the employee is paid their regular wage or salary. To determine an employee s Pay Reference Period (PRP), the payroll: Identifies the Payroll Date for the pay period being paid Checks the Payroll Calendar to determine which Start and End dates contain the Payroll Date These start and end dates may be in a different pay period to the actual period for which the employee is being paid; this often occurs if the employee is paid a week in arrears. For more information on Pay Reference Periods see 11
12 Example weekly paid employee The work week runs from Monday to Sunday. The Payroll Date is the Friday following the week worked, so this means the employee is paid a week in arrears. The employee is being paid in week 4, with a Payroll Date of 25/04/2014. The work week is Monday 14/04/2014 to Sunday 20/04/2014. The Pay Reference Period (PRP) is Monday 21/04/2014 to Sunday 27/04/2014. Payroll Calendar configuration Weeks Start Date End Date 1 31/03/ /04/ /04/ /04/ /04/ /04/ /04/ /04/2014 Employee completes the work in week 3 PRP for week 4 with a Payroll Date of 25/04/2014 Example monthly paid employee The work month runs from the 1 st of the month to the end of the month. The Payroll Date is the 28 th of the month, so this means the employee is paid at the end of the month they worked. The employee is being paid in month 1, with a Payroll Date of 28/04/2014. The work month is Tuesday 01/04/2014 to Wednesday 30/04/2014. The Pay Reference Period is Tuesday 01/04/2014 to Wednesday 30/04/2014. Payroll Calendar configuration Months Start Date End Date 1 01/04/ /04/ /05/ /05/2014 Employee completes the work in month 1 PRP for month 1 with a Payroll Date of 28/04/2014 Example 2-weekly paid employee The work fortnight runs from Monday to the second following Sunday. The Payroll Date is the first Friday in this period for the previous fortnight. This means the employee is paid on the Friday after the fortnight they have worked. The employee is being paid in week 4, with a Payroll Date of Friday 25/04/2014. The work fortnight is Monday 07/04/2014 to Sunday 20/04/2014. The Pay Reference Period (PRP) is Monday 21/04/2014 to Sunday 04/05/2014. Payroll Calendar configuration Weeks Start Date End Date 2 07/04/ /04/ /04/ /05/ /05/ /05/2014 Employee completes the work in week 2 PRP for work completed in week 2 Payroll Date of 25/04/
13 Example 4-weekly paid employee The work 4 weeks run from Monday to the fourth following Sunday. The Payroll Date is the first Friday in this period for the previous 4 weeks. This means the employee is paid on the Friday after the 4 weeks they have worked. The employee is being paid in week 8, with a Payroll Date of Friday 09/05/2014. The work 4 weeks is Monday 07/04/2014 to Sunday 04/05/2014. The Pay Reference Period (PRP) is Monday 05/05/2014 to Sunday 01/06/2014. Payroll Calendar configuration Weeks Start Date End Date 4 07/04/ /05/ /05/ /06/ /06/ /06/2014 Employee completes the work in week 4 PRP for work complete in week 4 with a Payroll Date of 09/05/2014 Why is the Payroll Calendar important? The payroll software uses the Payroll Calendar to determine an employee s Pay Reference Period (PRP) by: Identifying the Payroll Date for the period being paid Determining which Start and End dates contain the Payroll Date These Start and End dates are the start and end dates of the Pay Reference Period How is a new employee assessed when the payroll cut off is missed? The employee will be assessed in the next pay period. Example: A monthly paid employee starts after the payroll cut off for month 1 - the employee will be assessed in month 2. If you are using postponement, the Postponement Period will start from the employee s start date in the previous pay period If instead you are not using postponement and the employee meets the eligible jobholder criteria, the automatic enrolment date will be from the start of the Pay Reference Period In both scenarios above, OpenEnrol can produce multiple letters for an employee in the same pay period. What I do if I buy the module after everyone is already enrolled? You will need to manually configure all the Automatic Enrolment information in the payroll software, 13
14 including entering the correct Automatic Enrolment Date in Employee details. You can either manually enter the automatic enrolment information in the each employee s record or use the Import Data feature. What is the difference between qualifying and pensionable earnings? ualifying Earnings are the earnings used to assess whether a worker earns enough to be automatically enrolled (providing all the other eligible jobholder criteria are met). Also, legislation requires that the minimum pension contributions are calculated on the earnings between the qualifying earnings lower limit and the qualifying earnings upper limit. In the payroll software, for the payment/deduction set up, this is the Settings for Type Percentage Auto Enrolment. Pensionable Earnings are dependent on your pension scheme. Your pension scheme may state the pension deduction is calculated only on the employee s salary. If so, you should go to Pension Configure Earnings Pensionable Earnings and make sure the box is ticked for Salary. Also, in the pension deduction Settings for screen, click the % Settings button and check only the Basic Pay Elements Salary box is ticked. See the Pension Guide for more information. Pensions and Providers How do I setup a NEST pension deduction? First you need to ask NEST if the pension deduction is calculated after Tax and NI, and whether the earnings the pension deduction is calculated on are: ualifying Earnings between the lower limit and the upper limit Certified earnings Custom earnings For more information on how to calculate contributions for NEST see -to-calculate-contributions.html 14
15 To configure a pension deduction that is calculated after Tax and NI: Set Category to Apply After Tax & NI Calculation + or set to Deduction Type set to Percentage Auto Enrolment Range check set to None Report Group set to None or a Report Group of your choice Clear to-date totals set to Annually or a period of your choice Subtract Basic Rate Tax box ticked The payroll software will set the remaining boxes by default Where the scheme is a minimum 1% employer and 1% employee basis, the employer contributions don t get tax relief but the employees can. Using this scenario in the Contribution Schedule file, NEST expect that the: employer contribution value is 1% of the gross pensionable pay employee contribution value is 0.8% of the gross pensionable pay if the employee has an NI Number or is a foreign national awaiting an NI Number if the employee doesn t have an NI Number or is waiting for one, then NEST expect the employee contribution value to be 1% of the gross pensionable pay Note: Gross pensionable pay in this instance is the value between the ualifying Earnings lower limit and the ualifying Earnings upper limit For employees with a NI Number or waiting for one, NEST will claim 0.2% tax relief back from HMRC and put this straight into the member s retirement pot. Where do we find our NEST Group and Payment Source? These are the Group and Payment Source you configured on your NEST account. You must enter the details exactly the same in the payroll. Example: If you configured a Group on your NEST account as Group 1, you should enter it exactly the same in your payroll software and not group1 15
16 How should I configure my NEST Group and Payment Source? This is entirely up to you. Group is a way of grouping employees who have the same pay frequency, contribution rate and earnings basis. For example, Weekly, Monthly, Admin or Sales. If all your employees are paid in the same pay frequency, have the same contribution rate and earnings basis, you only need to configure one Group and apply it to every employee affected. Payment Source is the way you send money to NEST. The normal type of Payment Source is Direct Debit. You can also pay NEST by Debit Card or Credit Card. For more information on Group and Payment Source configuration see: w-to-set-up-nest-to-suit-your-workforce.html. 16
17 Can we have more than one pension provider for a company? Yes, you can have several pension funds and pension deductions. However, only one pension fund can be used as the automatic enrolment Default Pension Fund. If you have more than one Automatic Enrolment scheme and want to automatically enrol certain groups of employees into different Pension Schemes, when processing the payroll you could: In Pension Configure Auto Enrolment set the Default Pension Fund to be the first fund you want to apply Select the relevant group of employees Process the payroll and the system will automatically enrol all eligible employees Change the Default Pension Fund Select the next group of employees Process the payroll and the system will automatically enrol all eligible employees Repeat the process for all Pension Schemes 17
18 When are pension payments due to be paid to the pension provider? You must agree the due dates for paying contributions to the scheme with your trustee or provider and pay these contributions to your staff pension scheme on time. However, the law requires that contributions deducted from your employee s must be paid over to the pension scheme no later than the 22nd day of the following month (19th if you pay by cheque). You risk being fined by the regulator if you don t pay on time. There are special rules for the first deduction of contributions on automatic enrolment under the Pensions Act The regulations allow for any contributions deducted in the three month period starting from the start date of active membership to be paid across to the scheme by the 22nd day (for electronic payments) or 19th day (for cheque or cash payments) of the month after the last day of that three month period. For more information see How long can we withhold pension payments to the pension agency for? The regulations allow for any contributions deducted in the three month period starting from the start date of active membership to be paid across to the scheme by the 22nd day (for electronic payments) or 19th day (for cheque or cash payments) of the month after the last day of that three month period. I ve withheld my employee s contributions, when the employee opts out, how do I remove the contribution value from the file? You need to check with your Pension Provider what to do in this case. Some Pension Providers will require the output file to contain the contribution value. When the employee opts-out, there could be a credit on your account so the Pension Provider will expect a reduced payment. When creating the Pension file, what date should I enter? This depends on the configuration with your pension provider. Many pension providers only want the file for a Pay Reference Period. What Pension files do you support? The Pension Guide contains a list of the standard pension output files available in the payroll. What should I do if my pension file is not available as standard? Please contact Farmplan to discuss your options. 18
19 What are the Output File Fields in Employee details for? The Output File Fields are provided for you to enter information configured with your pension provider. For example, Friends Life has an Employee Category (Paygroup) field in the output file. In Employee details you should enter that category which you configured with Friends Life. What is the process for employees in an existing qualifying pension scheme? Employees that are already a member of a qualifying pension scheme still need to have their Worker Status assessed accordingly in Employee details. Also in Employee details, you should check that the Member of a ualifying Scheme box is ticked. The Worker Status for employees that aren t eligible jobholders will be assessed each pay period and amended accordingly. What is the reason for reduced contributions for? Some pension providers want to know when an employee isn t making the full expected contribution in the period. This could be due to the employee having a reduced salary because they are leaving part way through the pay period. What reports can I produce/should I keep? The Pension Guide contains details of the pension specific reports available in your payroll. For more information on the records you are required to keep, see the TPR website Communications I am running payroll on behalf of a company - who sends the pension communications? You and your client need to decide between yourselves who will take on the responsibility. OpenEnrol/OpenPayslips Where do I enable OpenEnrol in the software? From the Pension menu, select Configure Auto Enrolment and tick the Link to OpenEnrol box. 19
20 Can OpenEnrol be switched on retrospectively? Yes. If automatic enrolment communications have already been sent to your employees you should configure automatic enrolment in the payroll and enter the employee information such as Automatic Enrolment Date or Deferral Date. Once all this information has been entered you should then tick the Pension Configure Auto Enrolment Link to OpenEnrol box to start generating pension communications to your employees from the payroll. For more information see the OpenEnrol/Payslips Guide. How do I inform employees that automatic enrolment is coming? OpenEnrol can send employees a letter that informs them automatic enrolment is coming. To produce this letter, configure automatic enrolment in the payroll, enter a Staging Date that is today s date or later and tick the Link to OpenEnrol box. A message will then ask if you want to send communications to your employees. Select Yes. For more information see the Pension Guide. If you selected No but then decide later you do want to send communications to your employees informing them that automatic enrolment is coming, if the Staging Date is today s date or later: Un-tick the Link to OpenEnrol box on the Configure Auto Enrolment screen Click OK Open the Configure Auto Enrolment screen again Tick the Link to OpenEnrol box The message asking to produce communications informing employees that automatic enrolment is coming should now be displayed again Can I change the address I used to set up OpenEnrol? Yes, you can amend the address that was used when setting up OpenEnrol: Log in to My Account, select Account Details and then User details Click Edit and enter the new address Confirm the new address and then click OK Log in to the payroll using the Admin details Select File Online Login Details and on the Online Login Details screen update the Address and Password What happens if someone leaves and no-one knows the business log in details? You can reset passwords by retrieving the password and amending the details. 20
21 What happens if I m already using OpenPayslips and now want OpenEnrol? Your password is valid for both. Contact Farmplan om to purchase OpenEnrol. How do I change the business logo and signature? You can change the logo on OpenEnrol letters, however, only per installation not per company. To change the signature on the letters, in the payroll software go to Pension Configure Auto Enrolment Contact Details tab and enter the required signature in the Signatory field. 21
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