The Pensions Regulator

Do I need to set up a pension scheme if none of my staff need to be put into one?

If none of your staff are aged between 22 up to state pension age and/or earn less than £192 a week or £833 a month, then you only need to put them into a pension scheme if they ask to join. If this happens, you’ll need to set one up at this point. If your member of staff earns more than £113 a week (or £490 a month) you must pay money into the scheme as well. If they earn less than this, you can choose whether you wish to pay money in or not.

If you have staff aged between 22 and state pension age, you’ll need to check each time you pay them after your duties start date whether their earnings are over £192 a week (£833 a month). If their earnings are over this amount, you’ll need to provide a pension scheme for them. This includes anyone who starts working for you after your duties start date or staging date as well.

Use our online tool to understand the specific steps you need to take.

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