They work by a percentage of pay, being put each month, into the pension scheme for you.

The law means that every employer must (or will shortly) automatically enrol workers into a workplace scheme and make deductions from your pay, and contribute as your employer as well to your pension pot. Employees don't need to do anything. They do have the choice to opt out, but they will be enrolled again, and if they choose, will be able to opt out, every three years.

Under Automatic Enrolment employees will have their own pension account (it's the employees money), which they can access and manage, with a pension provider, such as Aviva - but there are many providers.

Delph & Co has been planning and preparing Auto Enrolment for some time - with us having introduced on-line payslips and P60's some time ago for Employers where we provide their payroll service.

The Automatic Enrolment and Monthly Pension Administration processes will be handled as an extension of this, with Employees having full pension correspondence and records electronically at their fingertips, and Employers having full peace of mind that they are complying with the law, and not open to challenge from their staff, or the Pension Regulator.