Nest auto enrollment

Mnd

You can also continue to pay in after you have stopped working and still benefit from the 25% tax break

badmemory

Assuming that your employer is just starting auto enrolment, then they are contributing 1% & you are contributing 1%. So for every weekly £100 you earn your employer contributes £1 & you 80p. For ten months this will cost your employer about £43 & you less than £35. At the end of the 10 months as you are over 55 you will be able to access £86 of which £21.50 will be tax free. So £73 in total for a £35 contribution. If I could only get that on my savings!

I think what everyone is telling you is to not opt out.

ETA also what MND says if you have spare cash. Even iof not working you can contribute £2880 & get £3600 added to your pension.