The Pensions Regulator

None of my employees want to be put into a pension scheme, so I thought I didn’t need to do anything?

This is not the case. If a member of staff meets the age and earnings criteria to be put into a pension scheme, you must put them into one.

Your staff can then choose to leave the scheme within one month of being put into it, this is known as opting out.

If any of your staff opt out, you need to stop taking money out of their pay and arrange a full refund of what has been paid to date. This must happen within one month of their request.

If they opt out after one month it will depend on the scheme rules whether they receive a refund and you will need to speak to your pension provider. 

You have a legal duty to complete your declaration of compliance to tell us how you've met your duties.

Use our online tool to understand the specific steps you need to take.

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