Employees can opt out after they receive their joiner packs. The opt-out period is shown in employees’ joiner packs. Employees have a calendar month to opt out and get a refund of their first contribution. The money will be credited to the employer’s pension account to use towards further contributions, It’s the employer’s responsibility to refund the employee (usually through payroll). If employees opt out after the stated period, they won’t receive a refund of any of their contributions.