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Auto-enrolment and multiple pensions

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Summary

How auto-enrolment works when employees have other pensions in Sage 50 Payroll Ireland. It covers exemptions, paused pensions, and switching schemes.

Answers

Auto-enrolment applies at employment level. NAERSA assesses each employment separately using payroll submissions. Sage 50 Payroll Ireland processes instructions sent by NAERSA. Employers don't decide enrolment or exemption.

What if an employee already has a company pension?

If pension deductions stop in Sage 50 Payroll Ireland, NAERSA treats that employment as without a pension. NAERSA can enrol the employee into My Future Fund for that employment.

Can an employee have two pensions at once?

Yes. This can happen temporarily. An employee can contribute to a company pension and My Future Fund at the same time until NAERSA sends an instruction to stop auto-enrolment contributions.

How does an employee move from My Future Fund to a company pension?

Add the employee to the company pension in Sage 50 Payroll Ireland. When pension contributions appear in payroll, NAERSA sends an auto-enrolment payroll notification (AEPN) instructing you to stop auto-enrolment contributions.

What about private pensions outside payroll?

NAERSA can't detect pensions that don't appear in payroll submissions. NAERSA can enrol these employees. Employees manage opt-out or suspension through the employee portal.

What if an employee has more than one job?

Pension activity in one employment does not exempt another employment. NAERSA assesses each job separately using payroll data for that employment.

Bespoke auto-enrolment pension training

We fully support the upcoming auto-enrolment changes in our Payroll solutions, including employee enrolment, contributions, and compliance. To help you prepare, we offer bespoke training covering:

  • Understanding the legislation and getting prepared
  • Guide through implementation with hands-on, product-specific sessions

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