Yes. If you’re enrolled, you’ll have a one-month period in which you can choose to ‘opt out’ of the scheme. If you want to opt out, you must let your employer know. You’ll get information about your right to opt out when you’re being enrolled.

If you opt out within one month of being automatically enrolled, any contributions that you’ve already paid will be refunded to you in full. You're not entitled to receive the contributions your employer may have made or any tax relief the government has paid.

If you choose to opt out, you can normally re-join the scheme at any time in the future. If you don't re-join the scheme, your employer is required to automatically re-enrol you roughly every three years, provided you meet the necessary conditions, which will give you the opportunity to change your mind. If you still don’t want to be in the pension scheme, you’ll be able to opt out again for a further three-year period.

If you decide to leave the scheme after the opt-out period has finished, your contributions will not be refunded to you. Instead, any contributions paid (either by you or your employer) will stay in your pension until you take your pension benefits.

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