Opting out of automatic enrolment

If you don’t want to be a member of The People’s Pension, you don’t have to be. If you’re automatically enrolled, you can choose to opt out. You can re-join when it suits you, as long as you’re eligible. Your employer is also obliged to automatically enrol you back in to a pension every three years. You can opt out again if you still don’t think it’s for you.

How to opt out

Go to ‘Manage your account’, select ‘opt out’ and follow the instructions.

Note: You won’t need to set up your online account to do this. But you’ll need to have:

  • your customer number (you can find on your joining letter or email)
  • your date of birth
  • your National Insurance number.

Automatic enrolment regulations allow you the right to opt out of the scheme during the ’opt-out period’ – normally one calendar month from the date on your ‘new joiner’ information.

If you opt out in this period you’ll receive a refund of your contributions from your employer. Please note that if you leave your employer after you have been enrolled and had contributions deducted but before you have completed a valid opt out form, the automatic enrolment regulations do not allow your contributions to be refunded.

If this happens your account remains with The People’s Pension, but you can decide to stop contributing. However, if your employer allows ‘short service refunds’, then it may be possible for the trustee to refund you the value of your contributions, less a deduction for tax.

Opt out »


 Next: Get to know your pension

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