My employer has encouraged me to opt out and offered me a bonus instead. What do I do?


It’s against the law if your employer takes any action or tempts you with inducements such as higher pay, or one-off bonuses to opt out of their pension scheme. It’s also against the law for your employer to attempt to make you opt out of being automatically enrolled into a pension scheme, or to suggest that opting out a pension scheme will affect the outcome of the decision to employ or continue to employ for example, implying in a job interview that you’ve a better chance of success if you indicate that you’ll opt out.



If you have any concerns, and you believe that your employer is breaking the law, you can report this to The Pensions Regulator – see

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