What does the certificate generated through the employer dashboard cover?
The certificate covers the Royal London scheme, as shown in the Scheme/category details section on the certificate. If you're using different minimum contribution sets to certify different groups of your workforce, we'll have given you a separate template certificate for each group. A certificate is not needed for any part of your scheme that requires contributions at or above the minimum levels in the relevant quality requirements of the applicable enrolment legislation and regulations.
We generated new certificates for existing schemes as at 6 April 2018. This was as a result of the first change in the minimum auto enrolment contribution amounts that applied from that date. These new certificates covered the subsequent increase in minimum contributions from 6 April 2019.
You're responsible for ensuring the certificate is completed correctly and stored safely. If you'd like to use the template certificate we've provided, you need to:
The standard minimum contribution for auto enrolment is based on qualifying earnings. This can be difficult for employers to administer. Certification allows employers to calculate contributions on an alternative basis and has been designed to cater for employers who have good quality money purchase schemes where either:
If you're using certification for another scheme, you'll need to complete a certificate for that scheme too. You can find a blank certificate in the Support material section above to help with this.
Only you, the employer, or someone you've authorised can sign your certificate. While you'll have your own authorisation process, examples of people you can authorise to sign your certificate include:
In a multi-employer scheme one employer may be able to certify on behalf of the other employers in relation to their respective jobholders, if that employer is authorised to give a certificate by the relevant employers.
If, during this period, a significant change in circumstances occurs meaning the scheme can no longer satisfy the certification requirements, you should alter the expiry date of your certificate. This should be so that your certificate expires on the day after the day on which the change takes place.
It must also be before the last day of a period of 18 months starting from the effective date of your certificate. You can't retrospectively cancel a certificate. You'll need to change the expiry date of your certificate if there's a significant change in circumstances.
Examples of significant changes could be:
We generated new certificates for existing schemes effective from 6 April 2018. This was as a result of the first change in the minimum auto enrolment contribution levels. These new certificates covered the subsequent increase in minimum contributions from 6 April 2019.
No. We've provided this template certificate to help with the process but it remains your responsibility to ensure the certification requirements are met. This template is based on our current understanding of the relevant legislation and regulations (including drafts) which could change in the future.
If you need further advice on certifying your scheme, you should speak to your adviser.