If, as a public service employer, you think that some of your employees who had transitional protection hold a form of fixed or enhanced protection from lifetime allowance charges, you may want to provide them with some reassurance that any opt-out taken out in the final salary scheme will also apply as an opt-out from the career average scheme from 1 April 2022. A new opt-out is not required.

To keep fixed or enhanced protection:

• individuals must not accrue further pension benefits
• opt-out if they are brought into the scheme through either auto-enrolment (existing employment) or contractual enrolment (new employment).