Leaving Your Plan


If you opt out of the RMPP or leave your employer, you and your employer will stop contributing to the RMPP.

As long as you have completed two years as an active member of the RMPP, you can choose to keep your benefits in the RMPP or you can transfer your benefits to another pension arrangement. If you’re leaving to take your benefits immediately, look at the section on ‘Planning Your Future’.

If you have completed three months (but less than two years) as an active member, you will still be able to transfer your benefits to another pension arrangement, or if you have made member contributions (other than through pension salary exchange) you'll have the option of receiving a refund of those contributions instead of taking a transfer to another scheme. 

If you cease to be an employee member, the Pensions Service Centre will write to you to confirm the value of your fund.  So, please get in touch with them if you change your address.

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A note on opting out of the RMPP

If you’re staying with your employer but you want to opt out of the RMPP, you’ll need to let HR or the payroll department know.  By doing so, you’ll stop paying contributions and won’t build up any more benefits. You must give two months’ notice if you’re paid monthly, and two weeks’ notice if you’re paid weekly. Beware: if you opt out, you can’t join again later. You may be automatically joined to the Royal Mail Defined Contribution Plan at a later date in line with Government ‘automatic enrollment rules.