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FAQ

Our expert team give answers to
your common questions

Welcome to our FAQs section, where we address the most common questions and
queries our clients and visitors often have.

FAQ SECTION

Frequently asked questions

An umbrella company is an intermediary that acts as your employer while you work on assignments with clients. At Youco, we handle your payroll, taxes, and other statutory deductions, making the process simple and compliant with UK legislation. Learn more about umbrella companies here.
Once your timesheets and any necessary expenses are submitted and approved, Youco processes your payroll, calculating taxes, National Insurance, and other deductions. Your net pay is then transferred directly to your bank account, and you’ll receive a payslip detailing the breakdown of your earnings. Learn more about the payroll process here.
Payslips are issued on each payday, typically available through your online portal. You’ll receive a notification when your payslip is ready to view.
As part of our payroll process, Youco submits Real-Time Information (RTI) to HMRC, including details of your earnings, tax deductions, National Insurance contributions, and pension contributions. Learn more about RTI and payroll here.
Yes, as your employer, Youco provides access to a workplace pension. You will be automatically enrolled in line with the UK’s auto-enrolment regulations, and we’ll communicate your enrolment status and options. Learn more about auto-enrolment here.
Your pension contributions will follow the standard auto-enrolment rates set by the government, with both employee and employer contributions. The specific contribution amounts will be detailed on your payslip. Learn more about pension contributions here.
HMRC occasionally adjusts tax codes based on your personal circumstances, such as changes in income, benefits, or tax allowances. If your tax code changes, you should receive a notification from HMRC explaining the adjustment. Learn more about tax codes here.
An emergency tax code is typically used if HMRC has not provided a tax code in time or if you’ve recently started a new job. This code is temporary, and your tax code will be updated once HMRC provides the correct information. Learn more about emergency tax codes here.
An SDC (Supervision, Direction, or Control) assessment determines your eligibility to claim certain expenses based on whether someone has the right to tell you how to do your job. From 6th April 2016, umbrella companies like Youco must assess each assignment individually to decide if you are subject to SDC. This is important for ensuring compliance with HMRC guidelines on allowable expenses.
As an employee of Youco, you are entitled to holiday pay, which is calculated as 12.07% of your gross salary. You have two options for receiving holiday pay:
  • Accrual Method: Holiday pay is held until you take time off, end your work with Youco, or at the end of the financial year.
  • Advanced Payment Method: Holiday pay is included in each payment, meaning you receive it each time you’re paid.
Yes, Youco provides various types of insurance coverage to protect you while on assignment. This includes essential coverages such as employers' liability, which protects against workplace injuries, professional indemnity for work-related claims, and public liability for accidents involving third parties.
To make a claim on your personal accident cover, contact our support team as soon as possible. We’ll guide you through the claims process and connect you with the necessary resources to ensure your claim is handled efficiently.
Payments are processed on a regular schedule, typically aligned with the end of each workweek or month. Your payment date will depend on your contract and client arrangements, but we’ll ensure you have a clear understanding of your payment schedule.
Payment delays can occur if there are issues with your timesheet submission, approval delays from the client, or if incorrect bank details are provided. Ensuring that timesheets are submitted on time and accurately helps prevent these delays.
Your payslip will show a detailed breakdown of your pay, including your gross pay, deductions (tax, National Insurance, and pension contributions), and your net pay. You can view your payslip on the online portal before payday.
If you notice any discrepancies in your payment or the amount communicated, contact our payroll support team immediately. We’ll review your records and address any errors.
Yes, Youco partners with a trusted pension provider to facilitate your workplace pension contributions. Details about the provider and their terms are available upon enrolment. Learn more about workplace pensions here.
You’ll be automatically enrolled into the workplace pension scheme, but you do have the option to opt out if you choose. However, contributing to a pension is a great way to save for retirement, and Youco is here to support your long-term financial planning. Learn about opting out of a pension here.
You will receive a notification from Youco once you are enrolled in the pension scheme, including information on your contributions, opt-out options, and further details about the scheme. Learn more about auto-enrolment here.
No, only HMRC can change tax codes. If you believe your tax code is incorrect, contact HMRC directly. Once they issue a new tax code, we will apply it in our payroll system. Contact HMRC about tax codes here.
Court-ordered deductions, such as child maintenance or other legal obligations, may be applied to your net pay. If you have questions about a deduction, you can contact our payroll support team for clarification. Learn more about court-order deductions here.
SDC is critical for determining your status and the expenses you can claim on assignment. If someone at the client’s site has the right to tell you how to complete your tasks (e.g., using a specific method, software, or checklist), you’re likely under SDC. This impacts the types of expenses we can reimburse you for. We assess each assignment individually to determine if SDC applies to you and, subsequently, which expenses you’re eligible to claim.
Yes, if you are using the accrual method, you can request to have your saved holiday pay paid out when you take time off, stop working with Youco, or at the end of the financial year. Contact our payroll team to request this payment.
Yes, Youco offers personal accident insurance, which helps mitigate the financial impact if you are injured and unable to work. This insurance can cover medical treatment, accidental death, and disability. Coverage typically includes weekly payments if you’re unable to work due to an accident, as well as a lump sum for accidental death.
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