If you are enrolled in a pension scheme through Jarvis and wish to stop pension deductions, the process depends on whether your opt-out window is still open or has already closed. Below, we provide a comprehensive guide to help you navigate this process.
Overview of Pension Opt-Out and Cessation
Opting Out Within the Window: If your opt-out window is still open, you can stop deductions and receive a refund for contributions already made.
Ceasing Contributions After the Window: If your opt-out window has closed, you cannot receive a refund for past contributions, but you can stop future deductions by ceasing contributions.
Steps to Opt Out Within the Window
Check Your Jarvis Enrolment Email:
Locate the welcome email sent by Jarvis upon your enrolment.
This email contains an opt-out link.
Follow the Opt-Out Process:
Click the opt-out link in the email.
Follow the on-screen instructions to complete the opt-out process.
Your request will be submitted to your employer, who will process it and issue any applicable refund.
If You Haven’t Received the Enrolment Email:
Use the self-service link provided by your employer to resend the welcome email.
Once you receive the email, follow the steps above.
If the email doesn’t arrive, your employer may still be processing your enrolment. Wait until the process is complete to proceed.
Steps to Cease Contributions After the Opt-Out Window
Understand the Limitations: Once the opt-out window has closed, you cannot receive a refund for contributions already made.
Access the Opt-Out Link:
Open the Jarvis enrolment email you received.
Click the opt-out link provided in the email.
Select the Cease Contributions Option:
Follow the on-screen instructions to choose the "cease contributions" option.
This will stop all future pension deductions.
Legal Notes and Refund Policies
Employers are legally required to enrol eligible employees into a pension scheme. You can only opt out after enrolment is complete.
Refunds for contributions already taken are handled by your employer, not Jarvis.
Troubleshooting
Haven’t Received the Enrolment Email?
Use the self-service link provided by your employer to resend the email.
If the email still doesn’t arrive, your employer may not have completed your enrolment yet. Wait until the process is finalised.
Need Further Assistance? Contact your employer or HR department for additional support.
By following these steps, you can effectively manage your pension contributions, whether you are opting out within the window or ceasing contributions after the window has closed.