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Thinking of leaving

See what options you have depending on your reasons for leaving USS

Why I'm thinking of leaving

There could be a number of reasons why you're thinking of leaving USS. But whatever your reason, we're here to help you understand your options and what you need to do next.

What have I built up?

We’ll tell you what you’ve built up so far when we send you your leaver statement. You can also see what you’ve built up in the Retirement Income Builder, as well as view and manage any Investment Builder savings, in My USS.

There’s a difference between what you can get if you leave after building your pension with us for less than two years compared to if you’ve been building a pension with us for over two years. Find out more in your pension after leaving.

To get an idea of what you’ll actually receive when you reach the Normal Pension Age (NPA), give the Deferred Pension Increase Modeller a try.

If you need a hand, give our Pensions Technical Team a call on 0151 556 0626.

Your benefits are safe and secure

The benefits you’ve built up are protected by law and the Scheme Rules. And they’ll carry on going up with inflation too.

Next steps if you’re leaving

Make sure you’re aware of all the benefits you’ll be missing out on if you leave. Visit what you get as a member to find out more.

If you’re certain about leaving, please speak to your employer in the first instance. We’ll then send you a leaver statement once we’ve heard from them.

  • For more information about when you can start taking your pension once you’ve left, see your pension after leaving.
  • Find out if you can get a refund.
  • If you’re interested in transferring your USS pension, see transferring to another scheme.
  • If you stop building your USS pension but decide you want to re-join, all you need to do is speak to your USS employer.

Remember, if you stop paying in but carry on working with a USS employer, they must auto enrol you again every three years by law as part of their re-enrolment cycle. Find out more in the How to join section in a pensions overview.

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