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've known ATP for many years and have enormous respect for the effectiveness of their investment strategy. I'm convinced that NOW: Pensions can become a major player in the UK and look forward to being a part of that success. — Chris Daykin, the former Government Actuary
NOW: Pensions' risk management and diversified growth fund are state of the art. — Win Robbins, former Head of European Fixed Income Barclays Global Investors
ATP comes to the UK pensions world with the highest commendations from the Danish trade unions, employers and government. NOW: Pensions' offering in the UK will be high quality, low cost, and honest and I'm proud to be associated with it. — John Monks, member of House of Lords and former General Secretary of ETUC and TUC
…We pride ourselves on our abilities to make the perfect match for both clients and workers. Our decision to appoint NOW: Pensions came as a result of wanting a quality workplace pension scheme that is structured, simple and easy for us to… — Ian Naylor, Legal Director of Randstad
I'm excited by the opportunity to help bring to the UK auto-enrolment market NOW: Pensions, a customer-friendly and responsive trust-based alternative to NEST and to contract-based offerings. — Chris Daykin, the former Government Actuary