Rejoining after opting out

If you’ve opted out of your employer’s workplace pension scheme, or stopped paying contributions, you can re-join at a later date.

How can I re-join my employer’s scheme?

Have you opted out of your employer’s workplace pension scheme, or stopped paying contributions? Then your employer must re-enrol you back into the scheme at a later date.

This is usually every three years, if you’re an eligible jobholder at that time.

Eligible jobholders:

  • are aged between 22 and State Pension Age
  • earn over the earnings threshold (£10,000), and
  • work, or ordinarily work, in the UK and have a contract of employment (so, not a self-employed contractor); or have a contract to provide work and/or services personally (so, can’t sub-contract to a third party).

Your employer will tell you the contributions you have to pay, and the options available to you.

Your employer must re-enrol you within three years because your circumstances might have changed, and a workplace pension might now be right for you.

If you’re not ready to re-join, you can opt out again.

If you don’t want to wait to be re-enrolled, you can ask to re-join.

You can ask at any time. But your employer only has to action a request to re-join once every 12 months.

This is because every time a member leaves or re-joins a scheme, there are administration costs for the employer. The 12-month measure is intended to limit these costs.

How many times can I leave and re-join a scheme?

Your employer might choose to accept more than one request from you to re-join in a 12-month period. But you only have the right to re-join once in a 12-month period (if you’re eligible to re-join).

If you’re not an eligible jobholder, you can ask to re-join if you’re either:

  • a non-eligible jobholder, or
  • an entitled worker.

Your employer only has to action a request to re-join once every 12 months. 

If you’re an entitled worker when you ask to re-join, you might join a different scheme to the one your employer uses for automatic enrolment. And your employer doesn’t have to pay contributions.

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MoneyHelper is the new, easy way to get clear, free,
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Whatever your circumstances or plans, move forward with MoneyHelper.

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Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free,
impartial help for all your money and pension choices.
Whatever your circumstances or plans, move forward with MoneyHelper.

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