Help Centre for Advisers

How can an employee opt out?

Following government legislation, every employee has a one calendar month period after being auto enrolled into a pension scheme, where they can choose to opt out. An employee can also opt out outside this period, but may not be eligible for a short service refund.

We’ve created a short video which explains the importance of having a pension. So before you decide to opt out, please take a look at the video, it will help you understand more about the benefits of auto enrolment and how saving a little now can make a difference in the future. Click here to watch the video.

There’s also a member booklet you can read through which provides more information about NOW: Pensions, how your workplace pension works and how we aim to grow your pension pot. Click here to read this.

If you still want to opt out then click on the link in the bullet point below. Remember, you can opt back in at any time to start saving for your future, just speak to your employer or us to do this.

  • For details on how to opt out, click here.

 

Once you have completed the opt out process, you will receive a confirmation of your request.

Please note, that legislation changed on 1 October 2015 and employees wanting to request a short service refund may no longer be eligible. For more information click here.

 

Related resources

employee opt out, auto enrolment opt out, workplace pension opt out, job holder opt out

Will an employee get their money back if they opt out?
Am I eligible for a short service refund?
Will all the contributions be paid back if a member opts out?
Who processes and pays opt out refunds to the individual and the employer?
What happens to member details when they opt out?
How will I know if an employee has opted out?
What is opting out?
What is an opt out period?

Why do we insist on having a choice of fund manager when the evidence shows there is usually no benefit to be gained…and there is always a negative impact in terms of cost? — Anthony Hilton financial editor of the Evening Standard writing in Pensions World, June 2013
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
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
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