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  1. Delaware Earns
  2. Frequently Asked Questions
  3. Employer FAQs

Can the State use money from this program to pay for other programs?

No. Employees’ contributions go directly to the EARNS accounts in their names. The State has no access to these contributions, can’t use the money for anything else, and there is no connection to other retirement plans offered by the State.

Articles in this section

  • Can my company join the program before its required date?
  • How Do I Contact Delaware EARNS?
  • What is considered to be a qualified, employer-sponsored retirement plan?
  • Can I have a designated employee or payroll services provider complete the registration process?
  • If I offer EARNS to my employees now and then decide to offer a qualified retirement plan later, what do I do?
  • What if my payroll company won't help me administer EARNS?
  • Are workers of only certain immigration statuses eligible for the program? What about undocumented workers?
  • As an employer participating in EARNS, am I allowed to match my employees’ contributions?
  • What if my payroll provider is stating they will charge a fee for remitting contributions with EARNS?
  • Are there any fees for employers to participate?
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