BENEFITS · STRATEGY
Opting-out models raise pension take-up significantly, without pressure and without extra cost.
Free first consultation →The problem
Only a fraction of employees take up salary sacrifice voluntarily, often out of inertia rather than objection. The classic opt-in approach means many people miss out on the retirement provision they actually want, which can reflect badly on the employer.
Our solution
Under an opting-out scheme every new employee is enrolled in the pension automatically and can actively withdraw. We design the scheme on a sound legal footing, develop the right communication and support your HR team through the roll-out.
Book an appointment →Worked example
An illustration of the default effect. The actual rate depends on the design, the withdrawal period and the communication. No specific figures are guaranteed.
The hard facts
Automatic
New staff are enrolled automatically rather than having to sign up. Inertia then works for their provision instead of against it.
No extra cost
Opting out uses the salary sacrifice arrangement you already have. It raises participation without needing extra budget.
Voluntary
Nobody is forced into anything: withdrawal is possible at any time. Freedom of choice is fully preserved.
+ take-up
Far more employees build up provision, which eases matters later and today strengthens your standing as an employer who looks after its people.
Worth knowing
People tend to stay with the default. If provision is the default, far more end up with it, with no pressure at all.
Withdrawal is possible at any time. Opting out raises participation without taking anyone's choice away.
An opting-out scheme needs a proper basis, whether in a works agreement, a collective agreement or the scheme rules. We put that on a sound legal footing.
Clear information is the key to acceptance. Staff need to understand what is happening and how they can object.
37+ years
in the market
100%
independent advice
DEWE
Certified partner of Deutscher Wertschutz e.V.
MORE PROVISION, LESS EFFORT
An opting-out scheme lifts pension participation considerably, without pressure, without extra cost and with full freedom of choice. We design it soundly, develop the communication and support your HR team through the roll-out.
Automatic
Higher participation through the right default, with no pressure at all.
Legally sound
Properly set up through the scheme rules or a works agreement.
Fair
Withdrawal possible at any time, with full freedom of choice preserved.
Worth knowing
Opting out needs the right legal basis and clear communication. We check the requirements, set the scheme up and support the roll-out to your team.
A free first consultation, in person, by phone or by video. You then decide how to proceed.
Book an appointment →