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4.5 Contracting Out

  • Employees who participate in the State Second Pension Scheme (S2P), and are not already 'contracted out' through membership of an occupational pension scheme, may use a PPP to contract out of S2P.

  • A PPP used for this purpose is known as an 'Appropriate Personal Pension', and must be approved as such by the DWP as well as receiving approval from the IR SPSS.

  • APPs receive rebates of National Insurance contributions from the DWP.


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