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This isn't for me

We hope that looking around this website has given you a really good idea of the benefits of paying into a company pension plan. It’s a great way to save for your future and get contributions from your employer too.

However, it might not be right for everyone. 

Opting out

If it’s not right for you, you can opt out of the plan.

1. Opting out on day one of membership

If you haven’t joined yet and want to opt out, you need to complete our opt out form. Please give your completed form to your employer.

2. Opting out within 30 days of receiving your auto enrolment notification

If you want to opt out and received your auto enrolment notification less than 30 days ago, you’ll need to visit WorkSave Choice. You can contact us to request an opt out form. You’ll need the enrolment code that was included in the communication you received from us when you were enrolled.

What you’ll lose if you opt out

We know that pension scheme membership isn’t right for everyone but you should think carefully about what you’re giving up before you decide to opt out of SAUL Start.

If you opt out, you’ll lose:

  • an extra 15% pay from your employer to help you save for when you retire
  • free life cover – a tax-free lump sum of eight times your salary if you die while working for a SAUL employer and paying in to SAUL Start
  • tax relief on the money you pay in to SAUL Start
  • pension savings to give you an income when you retire
  • a different type of pension, based on your salary, if you stay in SAUL for more than three years.

If you opt out, you won’t pay any more contributions, but you will pay more tax.

What you need to know

  • If you opt out within 30 days, you’ll get your contribution back in your pay
  • Your employer can’t ask you not to join SAUL Start or insist that you opt out
  • If you’re asked, or forced, not to join you can tell the Pensions Regulator – you can find out how to do this at
  • If you change your mind, you can re-join in the future as long as you’re still working for your employer in a job that offers you membership. Please speak to your employer if you change your mind about opting out
  • If you opt out but stay working for your SAUL employer, they’ll usually have to put you back into SAUL every three years by law
  • If you change jobs, your new employer will usually put you into a pension scheme from the day you start work
  • This form only applies to opting out of SAUL Start for the job shown on this form. If you’re starting more than one job that gives you SAUL membership, you’ll need to opt out for each role
  • You can find more things to think about before deciding whether to join on the MoneyHelper website.

3. Opting out 30 days or more after receiving your notification

If it’s been more than 30 days since you received your enrolment communication and you want to opt out, you’ll need to visit Manage Your Account to complete our online form.

WorkSave Choice

You can opt out of the plan using our online service, WorkSave Choice.

Easily plan your retirement

Planning your retirement is probably the most important aspect of financial planning for you to consider. Our free course with The Open University will help.