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Now that the member has been contractually enrolled into the Scheme, they can choose to opt out of it. In order to do so, they should complete an opt out form.

If the employee does decide to opt out, then you will be notified via the employer portal. If this happens:

• Stop taking contributions from the employee.
• If the employee has opted out within three months of joining the Scheme, refund to them any contributions that they have made.
• Adjust your following monthly contributions return
• When the application is received by us within three months of entering pensionable employment, the effective date of election is the first date of employment.
• When the form is received by us more than 3 months after commencing pensionable employment, the effective date of election is the first day of the next month. In such cases pension contributions must have been deducted for the period prior to the opt out.
• The effective date of an opt out can be checked by obtaining a member print.