Can and how do you opt out of your workplace pension?

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Individuals can choose to opt out of their workplace pension schemes.

How an individual goes about this depends on whether the employer has automatically enrolled the employee in their pension scheme or not.

If the employee is automatically enrolled, the employer should have sent them a letter indicating what scheme they have been added to. If you decide to opt out of the workplace pension, in order to claim back any money paid into that pension you must opt out within one month of being added to the scheme. After this point, payments made into your pension will remain there until after you retire. The employee can receive information from the employer about how they can opt out of the workplace pension by contacting the pension provider.

If an individual have not been automatically enrolled into a pension scheme they should contact their employer for details on opting out.

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