If an employee doesn’t wish to contribute to this pension, does the employer still have to contribute?

Where an employee is auto-enrolled but the employee doesn’t want to contribute, the employee can opt out of the scheme. The employer no longer needs to make contributions for employees who opt out. The employee may need to be re-enrolled every 3 years if they opt out.

An employee can opt out of the scheme once they’ve been auto-enrolled and we’ve sent them their joiner pack. In the pack we explain how to opt out.

Once the member has opted out, no further contributions should be deducted from their pay. As long as the member has opted out within the first calendar month, they may be eligible for an opt-out refund of their previous contributions.

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