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. You can read more about your options below. 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 have left Royal Mail or are no longer paying contributions, 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 – contact details below.

You can find out more information about your benefit options under the ‘Planning your future’ section, ‘Your options at different ages‘. You can find more information about death benefits here.