optOuts

An employee can only opt out of the pension scheme after they have been enrolled, which means they must have appeared in at least one /contributions request. The general sequence of events is as follows:

1. The employee appears for the first time in a /contributions request. They will be sent their joiner information.
2. Some time later, they notify The People’s Pension that they wish to opt out of the pension scheme.
3. The employee will then appear in the /accounts/…/opt-outs response.
4. The payroll system should then remove the employee from the pension scheme and confirm the removal by including the employee in a final /contributions request with optOutDate set to the value from the /accounts/…/opt-outs response.
5. Once this confirmation has been processed, the employee will be removed from the /accounts/…/opt-outs response. The employee can also be removed from future /contributions submissions.

If the employee reappears in the file upload at some point in the future they will be re-enrolled in the scheme.

If a refund is due to an employee after an opt out has been acknowledged, an employer can process this immediately. On receipt of the opt out file any previously processed refunds can be ignored and new opt outs actioned.