Employer PLOG Meeting 2020 · 2020-07-23 · WON'T LET ME LOGIN/ ACCOUNT DETAILS WRONG DON'T WAIT IT/TIME CONSUING ... • It allows you to view the details that we hold for ... longer

Employer PLOG Meeting 2020

Welcome

Presented by

Dan Harris

Head of Peninsula Pensions

Peninsula Pensions

Administration Update

• Peninsula Pensions Overview and Update

• Performance and Statistics

• Future Developments

Agenda

• Peninsula Pensions was formed in 2013

• Shared Service between Devon and

Somerset County Councils

• 400 employers

• Gloucestershire Fire and Rescue Service

and Avon and Somerset Police

• 199,000 fund members

Peninsula Pensions Overview

Key functions provided include:

• Providing guidance, information and

support to employers and members

• Calculation of pension benefits

• Payment of pensions

• Adherence to HMRC and other regulatory

bodies requirements

During 2018, the service was restructured into three

specialist functions:

• Member Services

• Technical and Compliance

• Employer and Communications

Member Services

• Provide member services for LGPS, Police and

Fire schemes

• Member services teams are now split by employer

with the aim of improving employer focus

• The Police and Fire team are responsible for

processing benefits administered under Service

Level Agreements

Technical and Compliance

• Pensioner Payroll

• Systems Development

• Technical and Training:

• procedure notes and training

• training and accreditation programme for staff

• quality assurance scheme for accredited staff

• technical queries

• administer the Annual Allowance exercise and

other projects

Employer and Communications

• Client management

• Increased engagement, training and support

• Review employer performance data

• Administer the process for admitted bodies and new

employers

• Improve communications with employers and members

• Increase the use of self-service portals and the website

Performance and Statistics

Performance and Statistics

Administration Performance

Performance

• Disclosure regulations

• Internal targets

• Reported quarterly to the DCC/SCC Pension Board

• Reported annually in the Pension Fund Annual Report

and Accounts

• Reports are available on the website

Administration Costs per Member

0.00

5.00

10.00

15.00

20.00

25.00

2016/17 2017/18 2018/19

Co

st (

£)

Peninsula Pensions LGPS Average

Payroll Costs per Pensioner

0.00

1.00

2.00

3.00

4.00

5.00

6.00

2016/17 2017/18 2018/19

Co

st (

£)

Peninsula Pensions LGPS Average

• New website, with enhanced media, support

and guides for employers and fund members

• Enhanced Member Self-Service

• Immediate Payments

• Historic data sign off

• Pension Administration Strategy 2020

• Employer Self-Service

Future Developments

www.peninsulapensions.org.uk

Employer PLOG Meeting 2020

Employer Self Service(ESS)

• What is Employer Self Service?

• How to Sign up and what you can do

• Help resources available

• Common issues using Employer Self Service

Employer Self Service(ESS)

What is Employer Self Service(ESS)

113

56

Have you signed up for Employer Services?

Yes No

33% of people who responded have not signed up

13

7

4

9

3

2

0 5 10 15

DON'T KNOW WHAT IS/OFFERS

DIFFERENT PAYROLL PROVIDES OUR INFORMATION

WON'T LET ME LOGIN/ ACCOUNT DETAILS WRONG

DON'T WAIT IT/TIME CONSUING

PERSONALLY HAVEN'T BUT ONE OF MY TEAM MEMBERS HAVE

REQUESTED ACCOUNT DETAILS

Reasons for not signing up?

• It allows you to view the details that we hold for

individual employees.

• Update information in real-time.

• Set up new starter.

• Perform individual pension estimates

• Notify us of a leaver

What is Employer Self Service?

• To sign up follow the link below

https://employers.peninsulapensions.org.uk/employerservicesweb/login

• Need to be on our contacts list for your organisation to be able to sign

up

How do I sign up?

https://employers.peninsulapensions.org.uk/employerservicesweb/login

CARE Pay – Actual pay the member has paid

pension contributions on (April 2014 onwards)

Final salary benefits – Pre April 2014. Final 365 days

pensionable pay.

• Guides and video’s available https://www.peninsulapensions.org.uk/lgps-employer/employer-self-service/

Help with using Employer Self Service(ESS)

https://www.peninsulapensions.org.uk/lgps-employer/employer-self-service/

Common Issues

• Leavers Forms• Form blank• Notification of a leaver but no form uploaded• Pensionable pay missing for the final salary scheme

where member has pre14 service• Work Activity not completed or information filled in

on the comments section and no new leaver’s form submitted.

• Created when a leaver’s form is incorrect or missing details.

Work Activities Incomplete

Thank you for listening

Data Quality ExerciseProgress Update

• What It Is

• Why We Are Doing It

• How It’s Gone So Far

• Things We Have Learned

• Looking Forward

What It Is (1 of 3)

Collaborative exercise between Peninsula Pensions and all employers

within the pension fund(s)

A historical check of EVERY active member record held by Peninsula

Pensions. Data is sent to the employer to check and amend where

necessary

Combined assault. We will work through the data and correct what we can,

using all current and historic data at our disposal

What It Is (2 of 3)

Once the employer and Peninsula Pensions are happy with the state of the

data, the employer is ‘signed off’

– Signed Off informs the Member Services teams that they no

longer need to query data preceding the sign-off date with

the employer

– One big condition: the employer agrees to submit monthly

interface data, in order to keep the records up to date

What It Is (3 of 3)

Particular areas of interest:

– CARE pay

– Current hours of employment

– Home addresses

– FTE salaries / dates

– Payroll / Job References

Responsibility of the Systems Development Team

Why We Are Doing It (1 of 2)

Increased scrutiny from the Pensions Regulator. Pension boards, actuaries

and auditors all have an interest. Wider cultural concern regarding data

accuracy and how it is treated

Member Self Service. Members can (and do) pick us up on errors on their

records

To minimise the number of employer queries emanating from Peninsula

Pensions (puts strain on employers and delays work completion)

Why We Are Doing It (2 of 2)

Self-awareness. Realisation from some quarters within Peninsula Pensions

that our data quality could / should be improved

– The whole Data Quality thing actually originated from the

Systems Development Team. A growing realisation and

frustration with the constant data fixing / chasing we were

doing; much of it self-inflicted (Peninsula Pensions)

How It’s Gone So Far (1 of 3)

Commenced in February 2019

410 employers on the original list

60 completed the entire process to date

144 are work in progress


Aspens (Queen Elizabeth)

Aspens (King Edward VI)

Babcock

Barnstaple Town Council

Bideford Town Council

Bovey Tracey Town Council

Brixham Town Council

Budleigh Salterton Town Council

Catch 22 MAT

Chulmleigh Academy

Cormac Solutions Ltd

Cranbrook Town Council

Dame Hannah Rogers School

DYS Space Ltd

Exeter College

Exeter Mathematics School

Exeter Royal Academy for Deaf Education

Hayes Road School

Healthwatch

Ilfracombe Town Council

Ivybridge Town Council

Lex Leisure

Millfields Community Economic Development

Trust

Mitie Plc

North Devon Joint Crematorium

Plymouth Dental Social Enterprise

Quadron

Red One Ltd

Sanctuary Housing

Sparkwell Primary Academy

Steiner Academy

Strata

Tarka Housing

Tavistock Town Council

Torbay Economic Development Company

Viridor

Wolseley Community Economic Development Trust


Aster Communities

Axbridge Town Council

Axe Brue Drainage Board

BAM Construct UK

BAM FM (Edwards & Ward)

Churchills (ex Yeovil College)

Dimensions

Exmoor National Park

Frome Town Parish Council

Homes in Sedgemoor

Idverde Ltd

Magna Housing Ltd

Mama Bears Day Nursery

May Gurney

MD Building Services

NSL (ex TDBC)

NSL (ex Mendip)

Parrett Drainage Board

SASP

SCC South West Heritage Trust

South West Audit Partnership

South West Councils

Yarlington Housing Group

Taunton

Bideford

Exeter

Things We Have Learned (1 of 4)

Internal procedure manual constantly being updated. Started at five pages

but already grown to eight

Every employer has been different. Issues with data are not uniform across

the board. Don’t know the depths of any issues until we start looking!

Regular interfacers definitely have an easier time of things


One month turnaround accurate for the most part, but easily affected by

other factors (e.g. staff absence, end of year, school holidays, priority shifts).

“Never a perfect time”. Communication!

One month has been fine for smaller employers, but may / will need to

change once larger employers get involved


It is NOT the same as the annual return process (you have to do that as

well!)

– Annual Return is a PASSIVE exercise. Loading one years

worth of data onto member records. Dealing with problems

as they arise

– Data Quality is an ACTIVE exercise. Checking existing data,

some of it going back years (certainly 2014). Looking for

errors. Correcting issues overlooked (caused?) by years of

annual returns


Initial reaction to the project has been very positive. Cooperation has been

excellent. Many thanks! However…

Encountering an increase in less enthusiastic responses / employers

unaware of the exercise

“Do I really have to do this?” Responsibility to all your employees to ensure

accurate pension benefits

Looking Forward (1 of 1)

Continue working through the list; smaller employers first (but still taking

offers)

Expecting pace to slow once larger employers get involved

Still another year (minimum) of the project to go, but your turn will be

coming…

Fin

Presented by

Dan Harris

Head of Peninsula Pensions

Pensions Administration Strategy

• First introduced in 2008 and now fall under Regulation 59

of the LGPS Regulations 2013.

• Not a legal requirement, but they provide a mechanism to

formulate a service level agreement between the

administering authority and the scheme employers.

• Cover a number of areas including:

• procedures for liaison and communication

• performance standards and expectations for

employers and the administering authority.

• Copy provided to Scheme Employers and Secretary of

State

Pension Administration Strategy

Regulatory Background

• Support the pension fund on behalf of its employing

authorities and the administering authority.

• Promote good working relationships

• Define the roles and responsibilities of the Administering

Authority and the employing authorities under the LGPS

regulations

• Deliver a cost-effective and high quality pensions

administration service

• Improves governance

• The PAS does not override any provision or requirement

of the LGPS regulations nor is it intended to replace the

more extensive commentary provided by the Employers’

Guide and website for day-to-day operations.

Purpose

• Current PAS has been in place since 2015

• Regulation 59 states that the PAS must be kept under

review.

• The review has been undertaken in view of:

• Peninsula Pensions restructure

• Growth in membership

• Increase in demands of scheme members and

employers

• Changes to LGPS regulations

• Advances in technology

• Improvements to performance monitoring

The review

• Draft PAS created by PP - Summer 2019

• Reviewed by Pension Board - Oct 2019

• Reviewed by I&PFC – Nov/Dec 2019

• Consultation with Employers – Dec/Jan 2020

• Sign off by I&PFC – Feb 2020

• Revised Strategy will go live in April 2020

Pensions Administration Strategy Timetable

• Draft PAS circulated to employer in Dec 2019

• Employers invited to review and provide feedback on PAS by 19th January 2020

Consultation with employers

• Feedback collated from employers

• Presented to the Investment and Pension Fund Committee

• Sign off in February 2020

• Go live in April 2020

Next steps…

www.peninsulapensions.org.uk

Communications

And

Development

Emma Davies

Senior Employer Liaison Officer

Communication

Best definition: the process of passing information and understanding from one person to another.”. In

simple words it is a process of transmitting and sharing ideas, opinions, facts, values etc. from one

person to another or one organization to another

Essential to a good working relationship

The service we provide relies on effective communication

Peninsula PensionsPeninsula Pensions Scheme MembersScheme MembersScheme EmployersScheme Employers

How are we doing? Communications survey sent out in December to over 1200

contacts

Questions covered all current platforms:

• Pensions Line

• Peninsula Pensions Website

• Employer Services

• PLOG Meetings

• Training & Workshops

170 responses providing lots of feedback

Communication Survey SummaryPensions Line

Read rate is approximately 35% so how can we improve?

Do you receive the Pensions Line? Yes = 68% No = 32%

Do you have time to read it? Yes = 64% No = 36%

Would ‘Information’ and ‘Actions Required’ sections be helpful? Yes = 97% No = 3%

Would you like it to be issued more regularly? Yes = 10% No = 90%

Communication Survey Summary

Website - www.peninsulapensions.org.uk

13% of respondents were not able to find what they were looking for

66% would be interested in a live chat option

Suggestions for improvements:

One logical place for documentationOne logical place

for documentation

Easier NavigationEasier Navigation

Better Search Engine

Better Search Engine

Clear division of employer area to

members area

Clear division of employer area to

members areaMore user friendly – old and clunky

More user friendly – old and clunky

Needs Modernisation

Needs Modernisation

http://www.peninsulapensions.org.uk/


Employer Self Service (ESS)

33% not

signed

up for

various

reasons


ESS

New

Starters


ESS

Leavers


Employer Self Service (ESS)

Are the Work Activities working for you? Yes = 58% No = 42%

How can

things be

improved?


PLOG Meetings

Have you attended any? Yes = 43% No = 57%

Out of 55, only 1

person didn’t find

them useful

73% do not want

them to be held more

regularly

7.11 average score

out of 10 for the

structure & content


PLOG

Meetings


Communication Survey

What are we going to do now?...

• Feedback will be passed onto relevant parties to take forward

• Pensions Line – Looking at new design to include Information and Action Required sections

• ESS Leaver process – it’s the best we can get it for now. Seeking feedback from other users

Chasing for InformationNot ideal for either Pensions, Employers or the Members

E&C Team chase for missing forms and data when no reply received from initial request

• 50-80% of working week spent chasing – duplication of work in some cases

• Approx. 250 cases still outstanding resulting End of Year exercise from past years – assumed leavers

from 2016 onwards

• Another 300 ‘new’ cases with us for chasing

• Not true leavers in some cases – members are still employed

• Opt-out forms not submitted at the same time as leaver form

• ESS Work activities not being completed even though revised form uploaded

How can you help?• Submit Leaver forms within the specified timescales (within 1 month of final pay period) and include all

relevant forms/certificates

• Members with nil earnings – if they are still employed, you need to include them on the monthly return

otherwise we will assume they have left

• ESS Leaver Process – Remember it’s a 2 stage process and complete your work activities

• Transfer of payroll providers – it is important that you retain access to historical payroll information in

order to fulfil your responsibilities

• Keep us updated with change of contacts so emails are directed to the correct people – online form on

our website

• Please don’t ignore us – information needed to calculate your members benefits

Our processPast:

Not ideal – chasers sent to employers from many people and

duplicate requests

Present:

Member services and Systems Teams try to obtain

responses before passed to E&C Team

• Inhouse training and templates for requests introduced to

ensure consistency

Referral to E&C Team:

• One list to be shared with employers

• Polite request to respond within the next 10 working days

• Letter will be sent to employee if no response

• Case could be referred to The Pension Regulator (TPR)

The Occupational and Personal Pension

Schemes (Disclosure of Information)

Regulations 2013 sets out strict timeframes

for the provision of pension information.

If timeframes are exceeded, we have to

record cases on our breaches register.

The register is reviewed regularly by Senior

Officers at Peninsula Pensions and

presented to the Devon and Somerset

Pension Boards.

Depending on the severity or frequency of

a breach, it may result in a referral to The

Pension Regulator (TPR)

Development

What did we promise last year?

What are we working on?

11th February 2019

Relaunch of ESS – moved forms to ESS for New Starters and

Amendments

Developed online form to enable Employers to confirm and change:

• Authorised contacts

• IDRP Officer Form

• Delegated contacts

• Payroll provider

June 2019

Moved Leaver Form to ESS (in place since 24th June)

Discretions guidance reviewed and updated on website (Flexible

Retirement Policy Guidance included in guide and policy template)

July 2019

Review IDRP Guidance - revised and new guide updated on website

Feedback from employer survey has given us lots to work with

• Re-design of Pensions Line E-zine

• New Website in development

• Better Employer Guides – less “blurb” and easier to follow

• More video tutorials on the website

• Revised Leaver Form to address errors identified by our First Response Team

• Introduction of Workshops

What are we working on?

New website in development...

Hope to launch by

the Summer

All employers

comments and

suggestions will

be considered

Aiming for easier

navigation and more user friendly

ESS Leaver FormNew version will be in place from 10th February 2020

No major changes - revised to reduce the most common errors:

• Members Address – pre-populated so please check it’s the correct one

• Opt-out forms and Ill health certificates - Form will be rejected if not added to end of Leaver form

• Information for Refunds - Actual pay (CARE) section has been included

• Pensionable Pay for both Final Salary and CARE benefits are now in one section - both to be provided

where necessary

Aim is to reduce number of forms rejected = less work activities for you!

Important Date - 2nd March 2020

All Leavers to be submitted via ESS

No more forms accepted via email

Workshops Timetable 2020

March - ESS Refresher training (Overview of the system and processes you need to follow)

April - Pensionable Pay (will cover Assumed Pensionable Pay, Absences and what you

need to state on pension forms)

May - Employer Responsibilities (to include IDRP Process, what you need to know and

what you need to do)

June - Discretions (explanation of what each one means and what you need to consider)

July - Ill Health Retirement Process

Comms survey raised suggestion of TUPES & Admission Agreements

Thank you for

listening

Any Questions?

Time to

hand over to

Richard

Interfaces / OtherGeneral Update on Systems Team

• Interface Template

• Member Self Service (MSS)

• Annual Returns

• System Team Contacts

Interface Template (1 of 8)


• Drop-down selection. Locks data entry

to recognised locations and people

• Minimises data entry (i.e. user friendly!)

• Allows employer to check that we hold

correct contact names and emails

• New addition: Payroll month selection


• Primarily an audit requirement

• Acts as a missing data check (e.g.

Data Submitted is ticked, but sheet is

empty – we will query)

• Works as an employer checklist;

confirm all data has been attached


• Just getting the names out there /

more easily accessible

• Interface mailbox still the primary

contact

• Contact the named person as much

as possible



Notes on dropdown contents

• Payroll provider rather than every employer in the fund(s)

• People who interface (e.g. no CEO’s, headteachers, accountants)

• Not on the list? No email or email was a home address (GDPR); or

• Limited to 4-5 people per location


Interface submission deadlines

• A set day of the month by which interfaces should arrive

• Primarily an audit requirement

• Reduces risk of slippage. Things working on a tighter / predictable schedule

• Early warning that an employer has issues (e.g. staffing issues, additional training

required, communication breakdown)


Interface content / formatting / errors

• A new Zero Tolerance to formatting issues, errors, missing data etc.

• Data not provided on the official template, or not completed as per guidance, will

be sent back for correction

• Increasing volume of interfaces means we can no longer justify correcting content

we have previously

New interface will go live in April

Out of 197 923 member records:

– 68 094 have registered with MSS (35%)

• 41% Actives / 40% Pensioners

– 38 315 have actively opted-out (19%)

– 90 704 are yet to do anything (46%)

Continue to pursue the reluctant 46%

Feel free to promote it to your employees! Google “Peninsula Pensions Member Self

Service”

MSS v2.0 due to go live in late February

Member Self Service (MSS) (1 of 1)

Are on the way…

A message will be in February’s edition of Pension Line

Emails will be sent out early March. If you haven’t heard from us by late March, contact us!

No changes to previous years / deadlines (brilliant response last year; genuinely best ever!)

Zero Tolerance (see previous) will apply

Annual Returns (1 of 1)

Systems Team Contacts (1 of 1)

Monthly Interfaces and Annual Return Queries, MSS Registrations

Tom Bird – Devon County Council + Devon fund employers (non-schools)

James Dyche – Devon fund schools

Sophie Downer – Somerset County Council + Somerset fund employers (non-schools)

Steve Bradford – Somerset fund schools, Police Officers, Firefighters

Edward Hipkiss – District, Borough, City, Parish, Town Councils, Police Civilians

Process Overviews, General Enquiries

Richard Tuck

Technical Stuff, Calculation Errors, Systems Team Personnel Issues

Jane Aplin

Fin

What does 2020

have in store?

Transitional Protection issue

Pensions Tax Considerations

Good Governance

ReportThe Pension Regulator Code

amendment

Other amendments

#1 McCloud (& Sargeant) outcomes

What is this?

❖ Transitional protection introduced in 2012 for those closest to retirement age. Under the 2014 CARE scheme a protection was put in place to ensure that protected members would receive a pension that is a least equal to that which would have been received in the Final Salary Scheme.

❖ Case brought to the Employment Tribunal 2016

❖ Court of Appeal decision in 2018 that transitional protection was unlawful found that these protections were unlawful on the grounds of age discrimination and could not be justified - reinforced by Supreme Court process June 2019

Impact on LGPS?

❖ Court of appeal decision impacted on all public sector schemes

❖ Remedy to be agreed

❖ Cost cap / scheme valuations

#1 McCloud (& Sargeant) outcomesCurrent position?❖The LGPS will be treated independently to the rest of the

public sector with regard to the remedy❖The remedy likely to provide an extension to current

underpin offered to Protected members to include other member groups.

❖The remedy will also apply to leavers from 01.04.2014.❖The remedy is not likely to be implemented until the end of

tax year 2020/21.

Potential administrative impact when progressed?❖Data required from Employers to include part-time hours /

service breaks / pre-2014 definition pensionable pay ❖Administrators will need to identify those in scope and adjust

accordingly once final guidance / amendments agreed – will need to revisit calculations, uplift pensions in payment, communicate all of this with affected members

#2 Pensions Tax Consideration (annual allowance)https://lgpsmember.org/more/Videos.php

https://lgpsmember.org/more/Videos.php

https://lgpsmember.org/more/Videos.php

What is this? Annual Allowance is the total amount of benefits that you can build up in a pension scheme each year, for tax relief purposes.

Reducing allowance over the years has meant that more members have become subject to a tax charge.

NHS proposal put forward for members to control their pension growth to avoid Annual Allowance charges and assist with the administrative burden.

#2 Pensions Tax Consideration

Max £255k

Now £40k

Impact on LGPS?Local Government Association are able to consider and put forward recommendations to the Scheme Advisory Board for a more flexible approach in LGPS – alternative ideas are: ❖ optional non pensionable pay elements❖ life cover only membership

Potential administrative impact if progressed?❖ reduction in members exceeding the Annual

Allowance and therefore less data required to enable calculations to be performed

❖ amendment to treatment of pay elements

#2 Pensions Tax (annual allowance)

❖ TPR due to consult on merging its 15 codes of practice into a single code

❖ Code of Practice No 14 being incorporated into the new single code

#3 The Pensions Regulator (TPR) Single Modular Code

Impact from administration perspective?

❖ Continue to comply with Code 14 requirements with regards to risks / controls / data / communication

❖ Assess compliance with new singular code (including any additional requirements), and establish how compliance will need to be demonstrated

#3 The Pensions Regulator (TPR) Single Modular Code

#4 Good Governance

❖ Clear statutory governance framework for LGPS

❖ Demonstrate high standard of service delivery for scheme members

❖ Measure and evidence compliance against the proposals set out in Good Governance reports Phase I and Phase II (November 2019)

❖ Phase 3 to follow including draft statutory guidance on governance compliance statements and establishing a set of key performance indicators

Purpose:

Scheme Advisory Board recommendation

Examine effectiveness

Identify enhancements to strengthen governance in LGPS

Recommendations so far:

❖ Ensure conflict of interest policies in place

❖ Develop the knowledge and understanding of key individuals

❖ Document and measure performance/service delivery

❖ Biennial independent governance review

Impact from administration perspective?

❖ Document and evidence compliance for both Good Governance review and TPR requirements / new singular Code

❖ Key areas – continue to work together to adhere to timescales in admin strategy to ensure high level of performance / secure provision of accurate, timely data / provision of training to assist with these areas

#4 Good Governance

Updates from 2019

• Civil partnerships - SI 2019 No 1449 in force 31st

December 2019 introduced survivor pension for opposite-sex civil partnerships (only legislation to be passed)

• National Insurance database - tool to check if a member has pension benefits held elsewhere which may potentially impact on entitlement to death grants - usage extended to include data re transfers, refunds and trivial commutation payments, and tracing lost members

• TPR report September 2019 – relating to governance and administration risks in public service pension schemes, including the 10 local government funds they proactively engaged with between October 2018 and July 2019.

Forfeiture

Exit cap £95k

5 year time limit refunds

Guaranteed Minimum

Pension (GMP) reconciliation

Amendments due / areas outstanding 2020

❖ Delayed due to election❖MHCLG to meet 6 March 2020 to discuss

areas still pending

Hand back to Mark Griffin

The End – Thank you for coming

Please hand your badges in when leaving

Disclaimer• The information contained in these slides are the authors interpretation of the current regulations.

• The information is subject to change due to various factors including, but not limited to, changes

to rules and regulations introduced by the Government Actuary's Department, HMRC and/or the

CLG. Changes can happen at short notice and may be implemented prior to the Council issuing

any future revised documentation.

• Readers should take their own legal / financial advice on the interpretation of any particular piece

of legislation.

• No responsibility whatsoever will be assumed by Peninsula Pensions for any direct or

consequential loss, financial or otherwise, damage or inconvenience, or any other obligation or

liability incurred by readers relying on information contained in these slides.

Documents

Employer PLOG Meeting 2020 · 2020-07-23 · WON'T LET ME LOGIN/ ACCOUNT DETAILS WRONG DON'T WAIT IT/TIME CONSUING ... • It allows you to view the details that we hold for ... longer