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Short service refunds

Leaving a workplace pension scheme before you have been in it for 2 years may mean you have the option of a refund of your contributions. This leaves you with no pension for this period.

As of 1 October 2015, members of occupational defined contribution pension schemes will no longer be entitled to short-service refunds if they leave employment (or opt out) with less than two years qualifying service. 

The change only applies to individuals who became members of an occupational pension scheme on or after 1 October 2015, or who re-joined an arrangement having already taken a refund or transferred out.

Those with less than 30 days service will still be able to request a short service refund of just their contributions.

Members of defined benefit occupational pension schemes will remain entitled to a refund of contributions if they leave with less than two years' qualifying service, subject to scheme rules.

Frequently asked...

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