Coronavirus (COVID-19)

Here you will find articles and useful links to information on the Job Retention Scheme and Job Support Scheme, how this affects pensions schemes and other useful information.
  • Job Support Scheme Expansion for Closed Business Premises (new September 2020)
    The Job Support Scheme (JSS) is being expanded to provide temporary support to businesses whose premises have been legally required to close as a direct result of Coronavirus restrictions. This expansion of the JSS will help businesses through the period they are affected by these restrictions, supporting the wage costs of employees who have been instructed to and cease work in eligible premises.
  • Job support scheme (new - September 2020)
    The scheme is designed to protect viable jobs in businesses who are facing lower demand over the winter months due to Covid-19, to help keep their employees attached to the workforce. The company will continue to pay its employee for time worked, but the burden of hours not worked will be split between the employer and the Government (through wage support) and the employee (through a wage reduction), and the employee will keep their job.
  • Job retention scheme
    A scheme open to employers who have furloughed any of their staff due to coronavirus (COVID-19). Employers can claim up to 80% of their employee’s wages plus any employer National Insurance and pension contributions. The scheme is to run from March to October, however there will be changes to the scheme from August. 
  • Job retention bonus
    Details of how jobs will be protected through the government’s new Job Retention Bonus were published by HMRC on 31 July 2020, with full guidance due to be published in September.
  • Frequently asked questions
    These cover – general questions about what employers need to consider and the Government’s Coronavirus Job Retention Scheme.
  • COVID-19 and pension contributions
    The existence of the grant available under the Coronavirus Job Retention Scheme does not change an employer’s usual pension contribution payment obligations or processes.  This article looks at existing salary sacrifice agreements and employer consultation if an employer would like to make a change existing pension provision.
  • Coronavirus scams - how to spot and avoid them
    There’s been a worrying increase in the number of scams since the Coronavirus pandemic. Read our tips on how to help your clients spot and avoid scams. We’ve also created a version for you to share with your clients.
  • 'COVID-19 and your pension' guide
    The FCA, FSCS, MAPS, PPF, PO and TPR have produced an easy-to-read guide which explains how they work together to support savers and protect pensions. It provides information on how to protect yourself against pension scams.
  • Helping your workplace clients stay on top of their employer duties
    Both the Government and TPR have confirmed that automatic enrolment legislation will stay as it is during the current crisis. So we’ve pulled together some steps to help your workplace clients stay on top of their employer duties.

Pensions Regulator

  • Automatic enrolment and DC pension contributions: COVID-19 guidance for employers Latest information on the impact of COVID19 on automatic enrolment. Contains key information for employers, including why to continue with their automatic enrolment duties. It  Also includes significant other rules such as consultation requirements, salary sacrifice and what employers should do if they’re struggling to pay.
  • DC pension contributions: COVID-19 technical guidance for large employers 
    Details technical guidance about how salary sacrifice, certification and the JRS works. It contains information on salary sacrifice and certification, along with different examples of salary sacrifice.  It also provides new information on certification issues and examples.
  • Avoid pension scams  
    Savers might increasingly look to transfer their pension, prompted by the instability of their employer or the financial markets.  Some guidance on how to avoid being scammed. 

HM Revenue and Customs


  • Coronavirus information hub
    Here you can find information relating to COVID-19, including advice, guidance, and common questions relating to insurance and long-term savings products.


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The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The firm is on the Financial Services Register, registration number 117672. It provides life assurance and pensions. Registered in England and Wales number 99064. Registered office: 55 Gracechurch Street, London, EC3V 0RL.