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# Company Pension Scheme

Clipper Contracting Group has a legal requirement to automatically enroll its eligible workers into a workplace pension scheme. You are eligible if you:

* Earn more than £10,000 a year (£192 per day period) 
* Are aged 22 or over and	 
* Are under State Pension Age 
* Are working in the UK 

Clipper Contracting has elected to defer automatic enrolment for the first three months of your employment. 

**Can I opt in earlier than the deferral date? **

You can opt in before this date should you wish by emailing hr@clippercontracting.co.uk or in writing to The Payroll Department, Clipper Contracting Group LTD, 1 Widcombe Street, Poundbury DT1 3BS confirming that you wish to join the workplace pension scheme early.  

**Can I opt out of the scheme? **

You must be enrolled into the scheme before you can opt out. Once you have been enrolled you will receive a Welcome Email from Jarvis Pensions that details how you can opt out. You can do this by emailing support@pensionjar.com or using the Jarvis web-chat [here](https://www.getjarvis.app/).  

[See 'Opting out of the company pension scheme'](/en/article/opting-out-of-the-company-pension-scheme-4ofqwt/) 

Once you have been enrolled into the scheme, you have one calendar month during which you can opt-out and get a full refund of any contributions made. Should you opt-out after the first calendar months, the refund will only apply to the previous four weeks.

When opted-in, your pension contributions will be as follows: 

* Employee contribution 5% 
* Employer contribution 3%