Thanks ted crilly, I was only at the school from January to July (contract runs out on 31st August) and didn't opt out until about April when I realised that I was automatically paying into a pension. In FE, you had to opt INTO it to get it, you see. As I said, I still stick by my decision. Because I wasn't there for long and the job wasn't permanent and I didn't have a permanent job, I didn't see the point of paying into one because I needed my earnings to pay for my travel fares which were expensive. I.e. At the time, I felt that I couldn't afford to pay into it, especially as I was paid as an unqualifed teacher. I opted out of the GTC membership money too, as I refuse to pay the suscription fee for a body which I haven't joined and doesn't recognise my teaching qualifications. Still, I did appreciate the fact that I was being treated like other permanent members of teaching staff at the school.