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Opting out

In order to encourage all workers to save for their retirement, the Government passed a new law. Under the Pensions Act 2011 employers are required to automatically enrol eligible workers into a 'qualifying' workplace pension scheme.

Although it is now compulsory to place members into a pension scheme, you can choose to opt out. If you intend to do this it is important that you understand the benefits you will be giving up; information on the scheme benefits can be found in the scheme guides.

If you do wish to opt out, please note that if you joined after 1 October 2002 you have the option of joining the Partnership scheme. Please visit the Scheme Guides page for more information.

You do not have to pay a contribution in the Partnership scheme but your employer will make a contribution based on your age. Further details can be found in the information booklets below:

Nuvos or Partnership comparison booklet (PDF, 55KB) - opens in new window

If you still intend to opt out you must read and complete the opt out form and factsheet, and return the form to your employer's HR department, or your employer's agent, if applicable.

Opt Out factsheet and form (PDF, 66KB) - opens in new window

If you decide to opt out of the pension scheme and subsequently decide that you would like to opt in, please complete the opt in form below.

Opt In form (PDF, 25KB) - opens in new window