If your employer doesn’t pay your contributions in time, or at all, your first course of action should be to contact your employer. You want to try and find out why contributions have not been paid, and when you can expect this to be corrected. Put your request in writing, which can be a letter or email, and keep a copy of all your correspondence.
This will help you to get more information about why the payments have not been made which will then help you to decide your next steps. If your query is not resolved by your employer there are three services that can help you.
1. Contact us
Call us free on 0800 011 3797 or use our webchat. One of our pension specialists will be happy to answer your questions and help you understand your rights.
We can also provide you with support and guidance on whether you should report your enquiry to The Pensions Regulator and/or make a complaint to The Pensions Ombudsman (please see below.)
Our help is impartial and free to use, whether that's online or over the phone.
Opening times: Monday to Friday, 9am to 5pm (helpline), 9am to 6pm (webchat). Closed on bank holidays.
2. The Pensions Regulator
In a workplace scheme looked after by trustees, the trustees must report the non-payment to The Pensions Regulator.
The Pensions Regulator regulates pension scheme providers and employers. It works to ensure employers meet their automatic enrolment responsibilities and pay the correct pensions contributions into the scheme on behalf of their staff. It can penalise employers if they fail.
In either case, you or the trustees can report the non-payment when the contributions are 90 days late. The trustees then have to keep you updated.
You can report your employer using The Pensions Regulator, whistleblowing service.
The Pensions Regulator might impose a fine if the right contributions aren’t paid on time.