Frequently Asked Questions

Below you'll find many of the common questions we’ve been asked.
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Employer Saver

Employer FAQs

How Do I Contact Delaware EARNS?

To contact support, please call (855) 934-3701 or email clientservices@earnsdelaware.com.

What is considered to be a qualified, employer-sponsored retirement plan?

An employer-sponsored retirement plan includes a plan qualified under Internal Revenue Code sections 401(a) (including a 401(k) plan), qualified annuity plan under section 403(a), tax-sheltered annuity plan under section 403(b), Simplified Employee Pension plan under section 408(k), a SIMPLE IRA plan under section 408(p), or governmental deferred compensation plan under section 457(b). It does not include payroll deduction IRAs.

Can I have a designated employee or payroll services provider complete the registration process?

You can invite a payroll representative to help you facilitate this process. Your payroll representative can be an admin, a teammate, or even your bookkeeper or payroll administrator. Simply add your payroll representatives as a teammate in your EARNS account to allow them to manage your employee list and process payroll if they do not require an integration. 

The employer portal seamlessly integrates with many leading payroll providers. If you don’t currently use an external payroll provider, or if they’re not interested in an integration, the process to manually upload payroll contributions is quick and simple.

If I offer EARNS to my employees now and then decide to offer a qualified retirement plan later, what do I do?

Employers that choose to introduce a qualified retirement plan after enrolling employees in the EARNS program should exempt your business. You can find more information about this process here

What if my payroll company won't help me administer EARNS?

You can still offer EARNS to your employees on your own with no complex administration—easily making it a part of your own payroll process. Watch this video to see how facilitating the program involves minimal steps and allows you to focus on your business. 

Watch video 

 

Are workers of only certain immigration statuses eligible for the program? What about undocumented workers?

Only workers with a verifiable Individual Tax Identification Number (ITIN) or Social Security number (SSN) can participate in the program. If a worker's information cannot be verified, the worker will not be enrolled, and an account will not be established for him or her.

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