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COVID-19 Update

Cash Flow and Pension Contributions

What happens if you are late paying pension contributions to your pension provider?


In the coming days and weeks many employers will experience severe cash flow problems.

The following outlines the situation if employers do not have sufficient funds to pay contributions to their pension provider. In most cases more than 50% of the payments will have been deducted from employees’ wages.

PLEASE NOTE: the following is based on our understanding of the legislation and extensive experience of dealing with The Pensions Regulator.

Enforcement action is not normally undertaken by The Pensions Regulator until contributions have been outstanding for 90 days from the due date and the pension provider has reported the employer for the breach of regulations.


The following is a step by step guide to the procedure.


At the latest member contributions deducted from pay must be paid to the pension scheme by the 22nd day (or 19th day if the payment is by cheque) of the month following deduction from wages.


Deductions from March salaries must be paid by 22nd April. This applies to all pay frequencies.


  1. Pension Provider action –

If payments are not made by this date the pension provider has a duty to notify the employer promptly, alerting them to the failure and to seek to resolve the overdue payment.


  1. Pension Provider action –

There are various circumstances when a pension scheme manager or trustee must report material payment failures to The Pensions Regulator and pension scheme members.

In any event, however, the employer must be reported where contributions have been outstanding for 90 days from the due date.


If deductions from March salaries are not paid by 21st July the pension scheme manager or trustee has an obligation to report the employer to the regulator and to inform pension scheme members.

We’ve helped nearly 2,000 employers to comply with automatic enrolment pension legislation.


If you need help with payroll or pension administration please give us a call.

We’ll provide you with a free quote, with no obligation whatsoever. 

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We can help if you’re:

 Past your staging date
Currently being fined for missing your duties
Struggling with an existing pension scheme
Worried about non compliance penalties
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