The Nannyplus Blog

Pension compliance – Easy guide to Employer RESPONSIBILITIES

March 30th, 2017

pension-pot

The law on workplace pensions has changed. Under the Pensions Act 2008, every employer in the UK must put certain staff into a pension scheme and contribute towards it. This is called ‘automatic enrolment’. The responsibility for complying will rest with you, the employer. Those who do not comply will face enforcement action and penalties.

If you are the sole director and you have no other staff working for you, the company does not have automatic enrolment duties. If you believe you don’t have any automatic enrolment duties you will need to tell the Pensions Regulator that you’re not an employer. Failure to notify the Pensions Regulator will result in penalties.

All employers should receive a letter from the Pensions Regulator 12 months ahead of their staging date. This letter will be addressed to the employer, owner or most senior person in the organisation.

Do I need to set up a pension scheme if none of my staff need to be put into one?

If any of your staff are not aged between 22 up to state pension age and earn less than £192 a week or £833 a month, then you only need to put them into a pension scheme if they ask to join. If this happens, you’ll need to set one up at this point. If your member of staff earns more than £112 a week (or £486 a month) you must pay money into the scheme as well. If they earn less than this, you can choose whether you wish to pay money in or not.

If you have staff aged between 22 and state pension age, you’ll need to check each time you pay them after your staging date whether their earnings are over £192 a week (£833 a month). If their earnings are over this amount, you’ll need to provide a pension scheme for them. This includes anyone who starts working for you after your staging date as well.

Every employer with at least one member of staff will need to complete a declaration of compliance. If you only have one member of staff who needs to be put into a scheme, they’ll still need to be put into the scheme before they can ask to leave it.

Even if you don’t have staff who must be put into a pension scheme you still have other duties which include writing to all staff individually and completing your declaration of compliance.

What is a declaration of compliance?

This is an online form for you to tell the Pension Regulator how you have met your legal duties. Even if someone else has helped you with your duties and may even be completing the declaration for you, it is your legal duty to make sure that the declaration is completed on time and the information entered is correct. If not you may be subject to fines.

 

 

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Tax Free Childare – new government scheme

January 10th, 2017

Tax-Free Childcare is a new government scheme that will be available to eligible parents to help with their childcare costs. Parents will open one Tax-free Childcare online account for each of their children and put money into these accounts.

How much?

The government will top up the account with a 20% contribution and then you will pay your nanny straight from these accounts into the nanny’s bank account. For every £8 you pay in, the government will pay in £2. The maximum government contribution per child, per year is £2,000, or £4,000 per year for disabled children.

Who is eligible? 

Both parents must be employed, or the single parent in single-parent families and each earn at least £115 a week and no more than £100,000 each per year. The children must be under 12, or under 17 for disabled children. Nannies must be registered with Ofsted and must be signed up to Tax-Free Childcare. If you wish to check whether you are eligible, please click here

When will this happen?

The scheme will be rolled out to parents gradually over 2017, starting with the parents of the youngest children. So parents with babies will be first, even if they have older children as well, they will be able to claim for all of their children at once.

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PENSION AUTO ENROLMENT – Nanny pensions apply!

December 16th, 2016

pension

If your nanny is aged between 22 and the State Pension Age, and has gross earnings of more than £10,000 per annum, follow the link to the Pensions Regulator and work your way through each section.

If the nanny is under 22 and/or earns less than £10,000 per annum, employers should still complete Steps 1, 3, 4 & 5, and continue to monitor any changes that indicate that the nanny has become eligible to be auto enrolled into a pension scheme.

http://www.thepensionsregulator.gov.uk/en/employers

  1. Employers need to confirm with the Pensions Regulator who they should contact (Primary and Secondary Nominees).
  2. Six months before the staging date, employers need to make sure they have in place a pension scheme that can be used for automatic enrolment.
  3. On the staging date, employers’ need to identify who to put into the pension.
  4. Within 6 weeks of the staging date, employers need to write to their staff to tell them how automatic enrolment applies to them.
  5. Within 5 months of the staging date, employers need to inform the Pensions Regulator that they have met their legal duties by completing a declaration of compliance.

Apart from completing steps 1 & 2 and depending on the circumstances, clients may be able to nominate their payroll provider as Secondary Contacts to carry out the administration of the remaining steps.

Pension Costs From staging date to 30th September 2017:

Employer Contributions 1% and Employee 1% 1st October 2017 to 30th September 2018:

Employer Contributions 2% and Employee Contributions 3% 1st October 2018:

Employer Contributions 3% and Employee Contributions 5%

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What to give your nanny for Christmas

December 5th, 2016

christmas-boxChristmas is a hectic time, and a stark reminder of just how much we rely on our nannies. Now is the perfect opportunity to say ‘thank you’ for everything your nanny does, but you might be wondering how to express your gratitude in a way that’s expected and appropriate. Do you need to buy a gift? If so, what should you be looking for?

Being stuck for ideas is understandable and the solution will, to a large extent, depend on your relationship. However, to make things easier, let us offer some pointers on what to give your nanny this Christmas:

An experience day

It’s your nanny’s duty to meet your children’s needs. But being consistently switched on with activities, schedules and household chores is no easy task. In all likelihood, she’ll be craving some rest and recovery time over Christmas, so consider a gift experience that can help her unwind. A spa session, afternoon tea for two or massage voucher is a thoughtful alternative to gifts and wrapping paper.

The Christmas bonus

 Of course, the alternative is to give your nanny a bonus to spend as she wishes. If you have the means to reward your nanny in this way, it’s bound to be appreciated. But it’s certainly not obligatory for you to do so as an employer. And bear in mind that giving a Christmas bonus sets a precedent for years to come.

Token gifts from the children

Gifts for nannies don’t need to be extravagant. Sometimes, it’s the thought that counts, especially when you’ve clearly taken the time to choose something meaningful. A bunch of flowers, scented candles, a mug with her name on it… there are countless ways to show your appreciation without stretching the budget.

If you feel uneasy about giving your nanny a token gift, address it from the children. They will likely relish the opportunity of presenting their nanny with a Christmas present, and there will be no doubt as to who orchestrated the idea behind the scenes.

A simple ‘thank you’ message

Christmas cards shouldn’t be resigned to your neighbours and distant relatives. Giving a hand-written card, with a message that expresses how grateful you are for her support, will go a long way to strengthening the bond with your nanny.

We lead busy lives, and it’s easy to forget to say ‘thank you’ for those small gestures that mean so much. Whether you respect your nanny for her values, appreciate her flexibility or love the way she entertains the children, take the time to spell it out.

Hopefully these suggestions will have shed some light on the options available to you when giving back to your nanny this Christmas. There are no fixed rules, and you certainly don’t need to be extravagant; make sure the option you choose is appropriate and proportional to your means.

Still struggling to decide what to give your nanny this Christmas? Give us a call – we would be happy to help.

Di Williams

Nannyplus Childcare 01925 768188

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Paediatric first aid training 14 Jan 17

November 29th, 2016

Need a refresher or a full Paediatric first aid Ofsted compliant certificate? We are hosting a course, which will be held in Cheadle on Sat 14th Jan 2017. Act fast only a couple of spaces still available. This is a blended learning course that requires pc access prior to the course.
Course specifically designed around childcare needs. Highly recommended by over 300 of our registered nannies who have undertaken the course.
Cost is £75. Call 07766290802

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