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Frequently Asked Questions

All your key questions answered

Why do I see employment costs on my payslips?

As your employer, TJW will retain employment costs from the income that we receive from your agency.

We contract with your agency for an agreed ‘contract rate’. We then calculate and retain these Employment Costs (Employer’s National Insurance, Apprenticeship Levy and, where relevant, Employer’ Pension Contributions) from the contract income we receive.

The remainder of the contract income is available as your Gross Pay, on which we calculate and deduct PAYE, Employee’s National Insurance and, where relevant, Employee Pension Contributions. The balance is your net pay.

All PAYE, National Insurance Contributions and Apprenticeship Levy fees are reported and paid to HMRC; all Pension Contributions are paid to our pension provider, NOW:Pensions.

Moving from your PSC/LTD company?
Currently, your LTD company is your employer and has the responsibility of paying employer costs on the salary paid to you by your company, although in reality many LTD contractors pay themselves a salary below the threshold which doesn’t attract Employer National Insurance (or Employee National Insurance and PAYE). When operating through an umbrella company, responsibility for paying the employment costs still falls to the employer – in this case the umbrella company.

Moving from perm/direct PAYE?
If you are directly paid by your agency or client at the moment, the employment costs are calculated and paid in the background, prior to your personal PAYE/National Insurance calculations. Your client or agency will pay these costs directly to HMRC. When using an umbrella company, your contract rate is inclusive of the employer costs, which we retain and pay on instead.

Do I get holiday pay?

In each holiday year your holiday entitlement will the statutory amount – currently 28 days (including bank holidays) – unless your agency informs us otherwise. Your holiday pay comes to us from your agency and is included in the rate we receive from your agency in the contract rate. You will have two options as to how we pay this to you:

Retained – by law we have to retain the holiday pay element of your pay into your holiday reserve to be paid to you when you take time off. We will reserve an amount for holiday pay equal to 12.07% of your Gross Pay (based on 5.6 weeks holiday per year; if you are entitled to more holiday this ratio will be adjusted to compensate). We will also reserve a small amount to allow for Employer Costs which are due when we come to pay your holiday pay. We will clearly state on each payslip you receive the total amount we have reserved for your holiday pay and Employer Costs.
You will need to request payment of your holiday by completing our online form. Holiday can only be claimed for time actually taken off.

If at the end of the holiday year the total amount of actual Employer Costs incurred is lower than the total amount reserved, we will pay to you the difference as salary, less any additional Employer Costs which may be due. When you leave our employment you will automatically be paid any remaining holiday pay we hold in reserve.

Paid in Advance
– if you prefer, you can opt out of having holiday pay reserved and elect to have it paid upfront with each payment you receive. This means that you will receive payment in advance for the time that you actually take off as holiday and won’t be paid directly when you are not at work. The amount of holiday pay advance will be clearly shown on each payslip you receive. You can change your holiday pay preference by completing our online form.

When will I be paid?

We will usually make payment to you on the Friday following the week worked (i.e. a week in ‘arrears’), unless your agency payment terms are any different. If your agency is late in sending timesheet details to us, we will generally aim to make payment to you on the same day as funds are received from them.

Am I entitled to sick pay?

You are entitled to Statutory Sick Pay, so if you are off work for 4 or more days you will need to obtain a doctor’s note and send that in to us. You can read more about the eligibility criteria here.

Will I be enrolled into an auto-enrollment pension scheme?

Yes. As an employee of TJW you will be enrolled into a government workplace pension scheme, operated by NOW:Pensions, as it is a legal requirement.

You will be enrolled after 12 weeks following your first payment from us, unless you choose to ‘opt in’ sooner. Details of how to do this will be sent to you by our pension provider soon after your first payment. The statutory percentages are 3% Employer and 5% Employee contributions payable on your qualifying earnings – you can choose to increase your Employee contributions should you wish to do so.

Can I opt out of the auto enrolment pension scheme?
You can opt out of the auto enrolment pension scheme only after you have been enrolled and your first contribution has been processed. We will notify NOW:Pensions of your enrolment at the beginning of the week following your first contribution. You will then receive an email from NOW:Pensions confirming your enrolment, which will also contain information on how to opt out should you wish to do so. If your opt out is completed within 30 days of your enrolment notice you will receive a full refund of all contributions made. Refunds cannot be made after this 30 day opt out period.

Can I pay into my pre-existing pension?

TJW are one of a handful of umbrella companies that can support you paying via salary sacrifice into your personal pension. We can engage with most providers, however please check with us in advance for clarification on this and how it would work. We will request the details for your personal pension once you have set up with us and will arrange the setup with your provider directly.

Do I also get the employer saving on employer contribution?
We pass on all tax and NIC relief, including Employer NICs for salary sacrifice. You therefore receive the maximum possible benefit of making contributions into your personal pension via TJW.