Help Centre for Employers

What is opting out?

Eligible jobholders who have been automatically enrolled or non-eligible jobholders who have opted in to a pension scheme have the right to opt out of the pension scheme at any time. Entitled workers who ask to join a scheme do not have opt out rights.

We urge any employee considering opting out to think through their decision and/or consider alternative retirement savings arrangements. By opting out an employee will not benefit from the additional savings and adjoining tax benefits.

The employees guide to auto enrolment provides a great overview of the benefits of being a member of the NOW: Pensions scheme.

I am excited to be joining such a distinguished Board of Trustees, over-seeing a modern, transparent, cost efficient and high-performing pension fund. — Win Robbins, former Head of European Fixed Income Barclays Global Investors
“We were impressed with the simplicity of its scheme. The ease of implementation was also a big plus for us and has removed much of the administrative headache.” — Neil Tune, HR director at Fitness First
I firmly believe in NOW: Pensions' principle that everyone deserves the right to a better retirement. I look forward to being part of the team which aims to achieve this in the UK. — Win Robbins, former Head of European Fixed Income Barclays Global Investors
I am backing NOW: Pensions, the ATP project, because I believe it will encourage transparency, low costs and decent returns for millions of British employees. — Nigel Waterson, former Shadow Pensions Minister
...its simple design means the pressure is taken off us as the employer and avoids costly administration charges, whilst removing the burden of choice and ensuring the best possible retirement outcome for our employees. — Matthew Johnson, Head of Compensation and Benefits at Adecco Group UK & Ireland