The National Employment Savings Trust has finalised its opt-out process ahead of the introduction of auto-enrolment later this year.
The government-backed pension scheme will offer online, telephone and print means for opting-out, but expects the main route to be online.
NEST member and market communications manager Matthew Blakstad said: "We are absolutely not trying to make opting-out hard.
"We have always thought: if someone really wants to opt-out because of their own personal circumstances, who are we to say that is not the right thing to do?"
Workers who decide to opt-out and click the appropriate button on the NEST website are first met by a message that says: "Not sure you can afford it? You can try it and take a break later."
If they click to continue through the opt-out process, they are met by another screen that asks: "Are you happy to lose out on money from your employers?"
The screen then allows members to enter their salary and see how much they stand to lose in employer contributions and tax relief.
Then they are met by two more screens confirming they are opting-out before the process is complete.
NEST will then inform the worker's employer and write a letter to the individual confirming the opt-out is complete.
On the employer side, employers "engage with the process but do not run it" - which NEST argues relieves the administrative burden around opt-outs.
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