Auto Enrolment For UK Home Help

Pensions For Personal Carers, Nannies, Cleaners And Other Household Employees

Home help

Parents who hire a nanny will have employer obligations to enrol their eligible employee onto a workplace pension scheme over the coming months and make contributions towards it.

Are you aware of new legislation that require all UK employers from all sectors, including those who have hired help at home, to enrol their eligible employee(s) into a workplace pension scheme by a certain date? Failure to comply could result in being penalised with the worse case scenario being thousands of pounds in accrued fines and even imprisonment.

It is clear that those who employ household help such as nannies, who don’t consider themselves to be employers or businesses, are still not fully aware that they will need to enrol them onto a pension scheme and start making contributions, adding to the cost of home child care which is at an all time high. According to the Financial Times, the potential cost of providing a pension for a nanny in London could amount up to an additional £500 a year. For many families up and down the country, this is going to cause an extra strain on the purse strings and make managing the monthly out-goings a more challenging task. Nevertheless, nannies and other employees who work in the household have employee rights too and are therefore entitled to save towards their future retirement just like everyone else. There are many pension schemes out there that will charge a sign up fee and/or an on-going cost, which will place further financial stress on the employer so it is therefore well worth your while to do your research properly. At Smart Pension, we recognise the financial burden this will be for thousands of employers which is why we don't charge any set up fees nor do we have any on-going charges for employers who sign up to our standard plan.

Managing Director of Smart Pension, Will Wynne, discusses here on Sky News what auto enrolment means for employers who hire nannies alongside Anne-Marie O'Leary, editor-in-chief of online parenting site, So whether you hire a full time nanny to look after your two year old whilst you are at work, a personal carer at home to help take care of you and your medical needs or a weekly cleaner who takes care of the day to day chores so you don't have to, you need to ensure that you are compliant by the staging date set out by the government.

If the words 'staging date' have set alarm bells ringing and you're wondering where to even start then you've come to the right place. Agencies have warned that the stress of employers having to set up and manage a pension scheme for their employee on top of all the financial obligations is expected to drive many employers to 'fly under the radar' and resort to paying cash in hand which is especially risky. With Smart Pension, you can sign up and be compliant within a matter of minutes. It needn't be stressful. In fact, at Smart Pension, it's extremely easy. Still hesitant? The short 90 second video below explains why you should choose Smart Pension to manage your pensions obligation.

Home help personal carer

Click on the short video below to find out more about the unique features of Smart Pension.

We Are Fast. Our advance technology platform enables businesses to get signed up within a few minutes, all in one sitting and on any device. We are able to do this because Smart Pension is web-based and self-serviced. We don't mess around with paper forms and old fashioned methods. Be signed up and compliant well before opening time.

We Are Secure. Our 100% encrypted site has more security features than any other UK pension provider's, so you can have peace of mind that all your information is safe and secure.

We Are Free. Companies often charge a premium to sign and set up but with Smart Pension, you don't need to pay a penny. There are NO upfront fees and NO annual costs for our standard service.

You're probably wondering just exactly how our FREE platform works. Take a look at the short video below, and get informed in under 90 seconds.

Other Key Features Of Smart Pension Include:

Online Management:

Once you are signed up, setting up your workplace pension is a piece of cake. Create employee groups and then make your first contribution, or simply let us do the work and we'll ensure that your employees that qualify for inclusion in your workplace pension will receive the legal required minimum contribution to their pension from your company.

Easy To Make Changes:

Once your employee details are in our system, we store them for next time, and should there be any changes - such as a change of salary for a project manager or a new structural engineer joining the team - you can update these details within a few clicks, which is particularly helpful in construction, where employee turnover is generally quite high.

Instant Direct Debit:

Our direct debit set up is an easy, one step process whereby your bank account is verified and set up in a mere few seconds. It really couldn't be any easier.

Automatic And Compulsory Employee Documentation:

Automatically generated documentation printed with your company name and logo (optional), is sent out to employees prior to your 'staging' date to educate them on auto enrolment, and also post enrolment once your pension is set up with Smart Pension. We stay on top of these small but crucial steps so you don't have to*.

Employee Self Administration:

The ability for employees to manage their own statuses, whether to opt in or out, and also what they want their own pension contribution to be, means that you have more time to do your own job. Simple.

For further information and more details about the unique features of Smart Pension and how it could work for your retail business, you should have a look at the About Smart Pension page. Or if you want one of our advisors to contact you, please complete this short Contact Me form.

Still not so sure what auto enrolment is? For more information on auto enrolment, this short video, Auto enrolment explained, tells you what it is and what it means for UK businesses.

Worried about penalties and how it could apply to you? For more information on penalties, this short video, Penalties explained, tells you about the fixed and daily penalties that can be issued to companies by The Pensions Regulator.

* Please note that you are responsible for meeting your deadlines, not us. We cannot accept any responsibility if you miss your deadline.

Smart Pension is designed specifically for auto enrolment but is tailored to meet your UK call centre business needs.

Smart Pension is also well suited to the needs of other sectors, particularly those with a higher turnover, such as hospitality businesses, retailers, employment/recruitment agencies, call centres, farm owners, and employers of home helpers such as personal carers, nannies and cleaners.

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