Opting out of KiwiSaver

Employees who you automatically enrolled in KiwiSaver can opt out. Employees who joined KiwiSaver by opting in, can't opt out.

Your employee has two ways to opt out of KiwiSaver. They can opt out:

• by completing a New employee opt-out request KS10
• online, but you'll need to:
  - give them these employment details
  - tell them what happens next.

Follow this process when your employee wants to opt out of KiwiSaver using the opt-out request and you pay them through the education service payroll:

1. Receive employee's form and check how they joined
2. Complete employment details
3. Work out if you received form during opt-out period
4. Tell your employee what happens next

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Receive employee's form and check how they joined

Your employee must give you a New employee opt-out request KS10 (after they've completed Section A Personal details) to opt out of KiwiSaver.

Check your employee's KiwiSaver Enrolment Assessment Form ESP29 to see if you automatically enrolled them or they opted in to KiwiSaver.

If your employee opted in, you must let them know that they are not eligible to opt out.

Complete employment details on the form, if you automatically enrolled them.

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Complete employment details

Complete Section B Employment details, using these details:

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Work out if you received form during opt-out period

Did you receive the opt-out request between the 14th and 56th day of your employee's start date? Work this out using the start date from the employment agreement and the date you received the opt-out request.

If you received the opt-out request:

• during the opt-out period, copy the form then post it to your pay centre
• after the opt-out period, give the form back to your employee to complete Section C Late opt-out and to post to Inland Revenue.

More about opt-out period

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Tell your employee what happens next

Whether your employee opts out online or by completing a KS10 form, Inland Revenue will send your employee an opt-out approval or decline letter.

If Inland Revenue approves the opt-out:

• deductions will stop within two pay periods
• Inland Revenue will refund the employee's contributions (and this may take up to six weeks).

If your employee's deductions don't stop within two pay periods, ask your employee for their approval letter and send a copy to your pay centre.

If your employee tells you they've already opted out online, tell them to check that their KiwiSaver deductions stop within two pay periods.