We are all familiar with pay stubs, but there are times when it is unclear whether an employer will provide a paystub with the salary or not. In that case, you may need to generate your own paystub.
Do you also need the employer’s consent to obtain a pay stub? Are there any tools for creating a pay stub? These are the queries that we will address in this section. However, you need not worry if you are new to your employment and haven’t heard of a pay stub.
A Pay Stub: What Is It?
A Pay stub is always a priority when organizing your finances if you just started a new job. This tiny piece of paper, referred to as a paycheck, is rather significant.
In addition to serving as documentation of your earnings for a specific period, it also contains other important details like your social security number, your pay rate, your earnings before taxes, any employer deductions, and your net pay, which is the amount of money you receive after tax deductions, and other contributions. It also helps calculating the monthly budget. But the details on your paycheck are important for a variety of other reasons as well.
If you ever have an IRS inspection, you can use it to find out if they have taken more taxes from you than is reasonable for someone of your pay grade, keep a proper record of your money, or find out if your employer underpaid you during the most recent pay period.
Additionally, if you’re doing multiple jobs at once, a review of your paystub is a great method to ensure that the tax withheld is accurate for each job you’re doing and isn’t being applied to the wrong role.
So, it goes without saying at this point that having a paystub helps you manage your finances a lot. This is why creating a pay stub is as important as your employment.
Your Employer Isn’t Giving You A Pay Stub
Suppose you recently began a new job. You’ve had to learn so much new material that your brain is fried. What your role is and how to fulfill it effectively. You have to learn the names of so many new people. Let’s just say that it’s a tough moment.
You eventually receive your first paycheck. And that is the point where you are certain of your inclusion in the team. You’re getting credit for the effort you’ve already expended.
In case you fail to get your pay stub for some reason, this could lead to elicit a series of awful queries. Was there an error? Do I have something missing? Did I not sign something someplace, you ask? How will I handle the upcoming month? What exactly just happened?
There are many possible explanations for why you might not have received your deserved pay stub. We’ll go over some of those reasons in this article. Why is it significant if you don’t receive one when you should?
Is it unlawful for your employer to withhold a pay stub from you?
The quick response is “no”, however, the truth is more nuanced than that.
Technically, the Fair Labor Standards Act, sometimes known as federal law, governs whether your employer is required to provide you with a pay stub (or FLSA for short).
This act includes a wide range of various business practice criteria for both part-time and full-time employees in all paid sectors. These cover the requirements for child labor, overtime compensation, setting minimum wage pay rates, and track for employment and job duties, which covers the requirements for paystubs.
Under the FLSA, your employer must maintain accurate records of the wages you receive as a worker and the number of hours you are logged-in for at least three years. Any wage calculations your employer makes, must also be preserved for at least two years. However, your employer is not obligated, at least not under this federal legislation.
However, this does not imply that your supervisor can simply conceal information concerning your compensation. The number of state laws that mandate an employer to provide access to an employee’s financial information varies depending on which state in the US one is working in, even though it’s not covered under the federal law. The three basic categories that most states will fall under when discussing pay stub rules are as follows:
No requirements – These states include Florida, Alabama, Ohio, Arkansas, and Georgia. These states have little or no rules requiring your employer to provide you with a pay stub, hence are free to withhold such information at their discretion.
Access States – This category includes the majority of US states. Several states, including Kentucky, New Jersey, Arizona, Virginia, Michigan, and others, do mandate that businesses grant employees some sort of access to their salary information. This does not always imply a hard copy of their pay stub. Additionally, electronic statements for their staff will be included.
Access/Print States – This category includes states including New Mexico, Washington, Massachusetts, and Colorado. Your employer is required to grant you access to view your payment information, just like access states do. These regions are obligated to provide a written or printed copy of their pay stub, unlike access states, nonetheless. The employer must make sure the employee has access to a way to print out their pay stub if they are using an electronic pay stub of any kind. Pay stubs are not required to be included in your paycheck each month in some states, so keep that in mind.
A few US states also belong to the following two groups, however, there are far fewer of them:
Opt-out States – If an employer chooses to use a paperless method to communicate payment information with its employees, which they will have to agree to in some way, then there has to be an opt-out option for them to deliver our paper pay stub copies. This is applicable for Delaware, Minnesota, and Oregon. These states usually deliver the payment information by envelope or as part of a paycheck.
How to proceed if your employer fails to provide you with a pay stub?
It’s critical to consider your options if your employer fails to provide you with a pay stub.
Before the pay date, inquire with your employer about the existence of a paystub system. If you weren’t given a pay stub when you were expecting one, be sure there wasn’t an error. Nevertheless, they do occasionally occur. You have the right to ask your employer for a way to obtain a printed pay stub if you live in an access/print state. See if your state is included in this list.
Although pay stubs are not legally required in every state, it is usually possible to obtain most of the information they typically contain through other channels. To find out what information, such as your rate of pay, the day of your pay period, and other details, you are permitted access to, check your local state’s rules on payment information.
If your employer continues to deny you access even though you do have a right to some sort of access, you may be able to take legal action against them to obtain the information you need.