Once you have been enrolled into a workplace pension scheme you can choose to leave the scheme at any time.
If you leave the pension scheme within a month of your employer adding you to the scheme, you'll be opting out and will therefore get back any money you've already paid in.
You would not be able to get your payments refunded if you leave the scheme later - the contributions will stay in your pension until you retire.
How do I opt out?
You should opt out directly with the pensions provider. You will receive a welcome pack from your pension provider that explains the steps.
See below the steps to opt out depending on the pension scheme you are enrolled in:
- SMART Pensions: You can do it by signing in to your Smart Pension account and in the menu choose "Profile Details" and then "Manage Membership". If you don´t have an account you can call 0333 666 2626. See more details here.
- NEST: You can opt-out by using this link here or by calling 0300 020 0090. See more details here.
- The People´s Pension: You can opt-out by using this link here or by calling 0300 330 1280. See more details here.
- Aviva: You can opt-out by using this link here or by calling 0800 056 3192. See more details here.
- Scottish Widows: You need to notify your employer directly of your wish to opt out by completing this online form. An opt out form can also be requested by contacting Scottish Widows on 0345 755 6557.
