After you've been a member for 12 months, you can choose to take a 'contributions holiday'. A contributions holiday is a break from making employee contributions, and can last anywhere from 3 months to 5 years – it's up to you.
Your employer doesn't have to make contributions while you're taking a contributions holiday, but must start again once the contributions holiday ends.
You don't have to give a reason for taking a contributions holiday, and there's no limit to the number of times you can take one. You can also renew a contributions holiday if you need to.
To apply for a contributions holiday, you'll need to contact Inland Revenue.
If you haven't been a member for 12 months but are experiencing financial hardship, you can apply for an early contributions holiday.
The standard length of an early contributions holiday is 3 months, but Inland Revenue will work with you to decide what's best for your situation.
If you have any queries or want to know more: