What’s opting out?


If you don’t want to join your employer’s pension scheme, you don’t have to. If you’re automatically enrolled, you can choose to opt out during your opt-out period.  This is usually around one month from the date your employer enrols you. This means that you and your employer will no longer make contributions to the scheme. You can re-join when it suits you, as long as you’re eligible. If you’ve opted out or stopped contributions into the scheme your employer is also obliged to automatically enrol you back into a scheme at a later date, normally every three years if you’re an eligible jobholder at that time. You can opt out again if you still don’t think it’s for you.



Remember though, if you do opt out then you’ll miss out on the contribution from your employer.

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