How do I manage employees who want to opt out?

An employee who has automatically enrolled into a qualifying pension scheme, or opted in to the pension scheme, has the right to opt out. They can opt out within one calendar month from whichever is the latest of when:

– active membership is created (i.e. the date they were enrolled into the pension scheme); or
– they receive their joiner information.

This is called the ‘opt-out period’. Opt-outs within this period will have their contributions refunded. An employee may stop active membership after the opt-out period has expired but won’t receive a refund of contributions.


If you’ve chosen The People’s Pension, and one of your employees decides to opt out, they should contact The People’s Pension to do so and we’ll manage the whole process for them. Please note the opt-out notice must not be issued by the employer.

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