How do I reduce my contributions or take a break from paying into my workplace pension?

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Changing the value of regular contributions

You can reduce the value of your regular contributions at any time. Please speak to your employer if you would like to do this. Reducing the value of your contributions is likely to reduce your future pension pot.

If you would like to reduce your contributions below the minimum required under automatic enrolment legislation, you can ask your employer to allow you to continue in the scheme on a lower contribution level. Your employer will automatically re-enrol you back into the scheme (at the minimum level under automatic enrolment legislation) every three years, if you're eligible.

Stopping contributions

You can stop or take a break from paying contributions at any time and leave your fund in the plan. Any contribution break is likely to reduce your future pension. You should speak to your employer if you're thinking of taking a contribution break. Your policy conditions will give you more details.

If you're automatically enrolled and you decide to take a break from paying contributions, you will be treated as having left the scheme and your employer may stop paying contributions. If you cease active membership of the scheme your employer will automatically re-enrol you back into the scheme every three years, if you're eligible.