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Do I have to join the pension scheme?
- assume you will join unless you actively opt out (they can not actively encourage staff to opt out); and
- require you to discuss it with somebody first, and get you and your spouse to sign a document to say that you realise what you are giving up.
It is almost always a good idea to join a workplace scheme if the employer makes a contribution towards it. If you choose not to, you are taking an effective pay cut, because you will lose the employer's contribution.