Help Centre for Advisers

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.

NOW: Pensions is supportive, easy for our employees to understand and uncomplicated in terms of its implementation. Its structured approach removes the complicated investment choices & makes auto-enrolment a straightforward and simple process. — Mark Manaton, Managing Director, Blue Arrow Group
“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'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
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
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