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A timeline to retirement for leavers

You’re no longer paying into your USS pension and you’re approaching retirement. It’s important to know how the process works and how long it takes.

How the process works

There are two parts to your pension. Visit how your pension works for more information on how the Retirement Income Builder, the defined benefit (DB) part, works alongside the Investment Builder, the defined contribution (DC) part.

This timeline isn’t an indication of when you should start planning – that’s entirely up to you.

If you have savings in the Investment Builder on top of your Retirement Income Builder benefits, you don’t have to take everything at the same time. Your Investment Builder savings can stay invested when you retire if, for example, you don’t need them until a later date. Read more about your options with the Investment Builder.

This timeline is for members who’ve left USS, but not yet taken their benefits.

We’ll use the term retirement date throughout this timeline, this refers to the date that you want to or will be due to access your USS benefits.

Keep your email address updated in My USS. We need a personal one so we can contact you.

Visit our Retirement hub to stay up to date as you receive your benefits and continue life in retirement.

  • We're here to help

    You can contact us online with any questions you have throughout the process, or once you're retired.