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Benefit modeller 

This modeller can be used if you are actively contributing to the scheme, in conjunction with your service statement. It shows you what pension you have built up to the calculation date and what you will have at your chosen retirement age. It also shows the tax-free cash sum, death in service lump sum benefit and spouse's pension in the event of your death.

The modeller will also give you an indication of how much of the Annual Allowance you are likely to use up in the current year. The Annual Allowance is a limit set by HM Revenue & Customs to the maximum benefit you can build up in any one year and still receive a tax relief. For more details on the tax allowances click here.

The modeller incorporates the changes made to the scheme in October 2011.

Open modellerOpen modeller 

If you are experiencing technical problems with the modeller please see our help page or contact our webmaster if you can not find the solution.


The modeller is not designed to deal with the more complex pension histories or unusual personal circumstances and therefore, will not be appropriate for some categories of member. These include members who:

• Are Mental Health Officers
• Are absent or whose membership is suspended at the service statement date
• Are variable time employees
• Are in the process of applying for ill-health retirement,
• Are subject to a pension sharing order or have earmarked benefits.

If you are affected by these exclusions, please refer to USS.

Please note the following:

The modeller is intended as a general guide only and is based on current rules. If you would like specific guidance or are approaching retirement and need a full quotation, please speak to the pension contact at your institution.

If you select a retirement date earlier than age 65, the modeller will provide figures which account for early retirement reductions. Please see the 'Assumptions' link in the modeller to see how this is applied.

If you are part-time, the benefit modeller is only able to project future service using your current part-time service fraction. If your part-time service fraction is subject to change, please request a quotation from USS. All benefits are subject to Inland Revenue limits at the time of payment. Please note that this may affect you if your salary is in excess of the earnings cap.

If you have transferred benefits in to USS from another pension arrangement these benefits may be reduced early if you retire early.

If the transfer was agreed after 1 April 2009, the benefits transferred-in will be reduced if you draw those benefits before age 65. The modeller can only calculate this reduction if you login, rather than entering the data manually. If the transfer was agreed before April 2009 benefits may be reduced if you retire before age 60 and the transfer value was received within 7 years of your early retirement. Full details are available in the transfer to USS factsheet.

Open modellerOpen modeller 

If you are experiencing technical problems with the modeller please see our help page or contact our webmaster if you cannot find the solution.