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Opting out of the pension scheme.

If you are automatically enrolled into a pension scheme you have the right to opt out of it.

You can opt out within one month of your enrolment date or one month from receiving your enrolment notification.

If you opt out within this time, any contributions you have made will be returned to you.

How do I opt out?

Contact your pension provider who will advise you or, to opt out of your workplace pension with Legal & General, visit WorkSave Choice  .

Leaving the pension scheme at a later date

You can stop contributing to the pension scheme at any time. If you do, any contributions you or your employer has already made will remain in your pension pot until you take your benefits on retirement or at any time after age 55.

Depending on the type of scheme you belong to, if you leave before completion of two years' active membership you could be entitled to a short service refund.

Taking a refund of your personal contributions is an option only if your scheme joining date is before October 2015 as the Government has decided to abolish it for new members from this date.


If you opt out or leave the pension scheme, your employer has to re-enrol you every three years if you're still eligible.

If you decide to rejoin your workplace pension scheme before this time, speak to your employer.

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