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More than just a pension

Your pension - and so much more

Retirement isn’t just about a pension

It’s about giving you the reassurance of knowing that you – and your loved ones – will be able to live comfortably in the future.

And we’re here to help give you peace of mind.

Help securing my future

As you get closer to retirement, it’s important to know your future is secure. We want to help make that happen. Here’s how:

  • You – and your employer – automatically pay in to the Retirement Income Builder. This provides a guaranteed income for life once you retire and a one-off cash lump sum (which is tax-free up to a certain limit) of three times your pension.
  • If you’re paying in to the Investment Builder too (or planning to), your employer covers most of the admin fees and the cost of managing your investments.
  • You’re benefitting from a tax-efficient way of boosting your pension savings.

A safety net, just in case

Having to retire because of something like ill health isn’t a nice thought. But unfortunately it could happen. So we’re here to help if you’re ever in that position.

As long you’ve been paying in to USS for at least two years, we’ve got you covered.

You may be able to take your benefits early. If you’re still paying in, you may also get an enhanced incapacity pension. This means the benefits you’ve earned so far – plus the extra amount you would have gotten if you’d carried on working until you reached age 65.

Find out more about the ins and outs of ill health retirement.

Taking care of loved ones

It’s reassuring to know that those close to you will be looked after when you die. We can help you to make sure they’ll be taken care of – no matter whether you’re still paying in to USS, have already left or you’re retired.

Your loved ones may get a lump sum, as well as a pension. For more details on who can receive these benefits and how much they can get, take a look at what happens when you die.

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