Can employees opt out of their workplace pension arrangement?

I’m currently setting up a workplace pension for my staff. Can those I auto-enrol to the scheme opt out if they want to?

Question asked by David Taylor

After automatic enrolment, employees that don’t want to remain in your workplace pension scheme can opt out. For example, if they can’t afford to pay contributions for a certain period of time, you have to allow them to opt out.

If they opt out within 1 month of the date they were auto-enrolled, you will have to refund any money they paid into their pension pot. If they opt out after 1 month, there’s no obligation for you to refund their contributions.

For staff to leave the scheme, they’ll have to complete an opt-out notice from the pension provider and give this to you.

If you need help managing your auto-enrolment workplace pension scheme please don’t hesitate to pop us a call on 02074425880 or emailing

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