Aid! I am a nanny and my former employer did not enroll me in a pension

Aid! I am a nanny pursuing a former employer who did not sign me up for a pension; now she ignores emails and texts: replies Steve Webb

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My former employer did not automatically enroll me in a workplace pension plan.

I am a nanny and from what I understand when the workplace pension plan came into effect nannies were not eligible and then when nannies were decided to be eligible it was done working from the youngest to the oldest nannies .

I worked for my previous employer for four years, until recently. I spoke to my former employer about this situation and he told me it was an honest mistake and he will fix it. Since then, she has not responded to emails and text messages.

Lost contributions: I am a nanny and my former employer did not give me a pension - what can I do?

Lost contributions: I am a nanny and my former employer did not give me a pension – what can I do?

I have spoken with Acas and they told me to contact the Ombudsman for Pensions and I have done so. They said to email my former employer what he was doing and that they needed to get back to me within eight weeks.

They also told me to contact the Pension Pegulador. I did this and was told that I would have to sue my former employer for not registering and that I would be fined.

I don’t want to get her in trouble. What do you suggest I do first?

SCROLL DOWN TO FIND OUT HOW TO ASK STEVE ITS PENSION QUESTION

Steve Webb replies: Although the law requiring employers to enroll certain workers in a pension has been very successful, not all employers have followed through on their legal obligations, and as a result, it looks like you’ve been lost.

As it happens, this week marks the 10th anniversary of the start of ‘automatic enrollment’, which began in October 2012 and began with Britain’s largest employers.

Steve Webb: Find out how to ask the former Pensions Minister a question about his retirement savings in the box below

Steve Webb: Find out how to ask the former Pensions Minister a question about his retirement savings in the box below

Steve Webb: Find out how to ask the former Pensions Minister a question about his retirement savings in the box below

Over the next five years, the obligation to enroll workers earning more than £10,000 a year was steadily extended to medium-sized employers and eventually to small employers, including people employing a nanny.

This means that when he started working for his previous employer in 2018, she was already required by law to enroll him in a pension if he was paid more than £10,000 per year.

There were no special rules for babysitters, other than the fact that small employers joined the plan later than large employers.

There were also no special rules on the age of nannies, apart from the fact that the legal duty to register a worker only applies to those who are 22 years old or older.

In short, if you earned more than £10,000 and were aged 22 or over, your employer was breaking the law if they didn’t sign you up for a workplace pension within three months of starting work.

By not doing so, you have deprived him of the contributions that should have been made to a pension on your behalf, as well as the investment growth in that money since then.

In terms of what you can do to fix things, it’s definitely sensible to contact your former employer directly first.

I see you’re not getting a response so I suggest a final email saying that if she doesn’t fix things you will be forced to file a complaint with the Pensions Regulator (TPR) who has the power to fine employers for non-compliance.

1664479758 462 Aid I am a nanny and my former employer did

Could you mention that in the last year TPR issued more than 51,000 tickets of this type according to page 20 of your latest annual report.

If you still do not get a response, you will need to decide whether to file a complaint.

While I can understand that you do not want to create ill will with your former employer, now that she clearly knows that she has broken the law, it is unacceptable that she is trying to shirk her responsibilities.

If you do this, you’ll not only get the missing contributions you’re owed, but hopefully any future nannies employed by the same employer will find they don’t have to fight to get what’s rightfully theirs.

Listen to our special podcast where Steve Webb answers readers’ pension questions in the player below, or on Apple Podcasts, audio boom, Spotify or visit our This is the Money Podcast page.

Ask Steve Webb a pension question

Former Pensions Minister Steve Webb is Uncle Agony from This Is Money.

He’s ready to answer your questions, whether you’re still saving, in the process of quitting work, or juggling finances in retirement.

Steve left the Department for Work and Pensions after the May 2015 election. He is now a partner in the actuary and consulting firm Lane Clark & ​​Peacock.

If you’d like to ask Steve a question about pensions, email him at pensionquestions@thisismoney.co.uk.

Steve will do his best to reply to your post in an upcoming column, but he won’t be able to reply to everyone or correspond privately with readers. Nothing in his responses constitutes regulated financial advice. Posted questions are sometimes edited for brevity or other reasons.

Include a daytime contact number with your message; will be kept confidential and will not be used for marketing purposes.

If Steve can’t answer your question, you can also contact MoneyHelper, a government-backed organization that provides free pension assistance to the public. can be found here and his number is 0800 011 3797.

SteveWe get a lot of questions about state pension provisions and COPE, the outsourced pension equivalent. If you write to Steve about this topic, he answers a typical question from a reader here. It includes links to several of Steve’s earlier columns on state pension forecasting and outsourcing, which may be helpful.

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