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Joining NEST

NEST is a workplace pension scheme, which means most people typically join through their employer. However, in some cases such as self-employment, people can enrol themselves. Below we’ll take you through the three main ways of joining NEST, how to opt out and the next steps you can take.

Joining through my employer

As NEST is a workplace pension, the majority of members join because they are auto-enrolled by their employer. Under the Pensions Act of 2008, every employer in the UK is legally required to put certain staff into a pension scheme and make contributions into it – a process called auto-enrolment.

Learn more about what it means to join NEST through your employer

Joining as self-employed

If you’re self-employed or the sole director of a company that doesn’t employ anyone else, you can use NEST to save for your retirement.

Read more on joining if you’re self-employed 

Joining through a divorce settlement

It’s also possible to join NEST after getting a share of a partner’s retirement pot in a divorce settlement.

Learn more about what it means to join through a divorce settlement

What if I want to opt out?

If you’ve recently been enrolled into NEST by your employer, but no longer want to be a member, you can opt out during the one month opt-out period.

Read more here on how to opt out

Make the most of NEST in your online account

Once you’ve received your welcome pack you can log into your account and start making the most of NEST. When logging in for the first time you’ll need activate your account first using your National Insurance number, your alternative identifier (supplied by your employer), or the NEST member ID included in your welcome letter.