When you can opt out of paying contributions
If you’re over a certain age and have fully retired from work, you can opt out of paying contributions.
The age at which you can choose to stop paying your contributions is linked to your pension age.
You can find out what age you can stop paying contributions by checking your pension age.
Check your pension age
How to apply to opt out of paying contributions
You’ll need to complete an application form. You can get one from our main reception at Social Security or you can call us and we’ll send you one in the post.
Return your completed application form to Social Security along with your:
- birth certificate
- Social Security registration card (if you have one)
We can only accept original certificates or certified copies, confirming an approved authority has seen the original document.
How benefits are affected when you opt out
Choosing not to pay contributions any more affects your entitlement to contributory benefits, such as:
Short Term Incapacity Allowance
Long Term Incapacity Allowance
We strongly advise that before opting out of paying, you talk to us to make sure that you fully understand how your rights to benefits may be affected.
Changes in circumstances
If you start work again, even part-time, you should talk to us as soon as possible about starting to pay your contributions again.
You can’t back-pay contributions to cover any time that you decided not to pay contributions.