Opting out

This is just asking to leave a workplace pension scheme.

If you’ve been put into your employer’s workplace pension scheme automatically, but you’d rather not be involved, you can ask to leave. The idea of making it automatic is just to give you the chance to have a pension – so you can’t avoid being enrolled, but it’s easy to leave afterwards.

If you’d like your contributions refunded you’ll need to opt out within one month (known as the opt-out period). You can still opt out after that point though, and the contributions you’ve made so far will remain invested in your pension pot.

And in case your circumstances change over time, you’ll be given the option to restart your workplace pension later – by being re-enrolled roughly every three years. Again though, you can ask to leave if you’d rather not have one.

More about opting out »