Your auto enrolment questions answered
Q: Who do I have to carry out employer duties for?
Q: Who do I have to pay contributions for?
Q: Are there any individuals who are exempt from employer duties?
Q: I already have a pension scheme in place, do the employer duties still apply to me?
Q: Does automatic enrolment only apply to unpensioned employees and new workers?
Q: How much do I have to contribute?
Q: What constitutes Qualifying Earnings?
Q: Who is treated as the employer for agency staff?
Q: What happens if someone works for more than one employer?
Q: How do the employer duties apply to hourly paid / zero-hour contract / temporary / seasonal / agency workers on short-term contracts who are re-employed.
Q: How are hourly paid /zero-hour contract / temporary / seasonal / agency workers assessed for auto enrolment?
Q: Why would I use postponement?
Q: If I use postponement, how does this affect hourly paid / zero-hour / contract / temporary / seasonal / agency workers on short-term contracts?
Q: Can a worker opt out after the end of the opt-out period?
Q: How do I avoid having to make refunds for individuals who opt out?
Q: If I use NEST am I exempt from the employer duties?
How Scottish Life can help
Q: When will Scottish Life offer automatic enrolment schemes?
Q: What solution do you offer for automatic enrolment?
Q: Will your automatic enrolment solutions allow me to run two contribution structures e.g. qualifying earnings and one of the certification options?
Q: My employees are paid weekly, but I currently aggregate this and submit contributions monthly. Will I be able to continue doing so under automatic enrolment through your new system without breaching the rules?
Q: Will you link to NEST?
Q: Does your solution work alongside a payroll system?
Q: I have a questions relating to automatic enrolment that is not covered here, how can I find out the answer?
Updated December 2013