Your joiner information will detail the benefits that the scheme provides. If you haven’t received this, or can’t find it, please contact your employer.

If you’re thinking of opting out, or stopping contributions, you may be missing out on valuable retirement benefits:

• The contributions that your employer makes into your pension pot
• The tax relief that the government adds to contributions that you make into your pension pot
• The opportunity to have your money grow in a pension pot.