Although most employees will be auto-enrolled into your company's pension scheme, it is possible for them to opt out from it if they do not wish to contribute towards a pension scheme.

An employee may be able to get their contributions refunded if they've been enrolled on the company scheme for less than 30 days. If they opt out past this deadline, they won't be able to recoup the contributions made into the scheme. In this case, the funds in the employee's pension account will be left invested until they reach retirement or decide to transfer to another pension scheme.

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Unfortunately an employee cannot be opted out automatically within Onfolk. This needs to be done directly with your pension provider.

There are two ways an employee can be opted out from the company's pension scheme:

Let's assume you're opting out an employee yourself.

1. Depending on who your pension provider is, follow their process to opt out the employee from your pension scheme:

👉 Nest

👉 People's Pension

👉 Smart Pension: only employees can opt themselves out of the scheme, you won't be able to do this on their behalf

2. Your pension provider will then automatically notify us of the opt out, and we'll update your payroll accordingly (assuming you've integrated your pension within Onfolk).

If you've not integrated your pension scheme within Onfolk, we won't get automatic notifications from them. In this case, please get in touch with us at [email protected] to let us know directly.

3. If applicable, process a pension refund.

🎉 done!