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Retirement hub

There are some things to be aware of as you receive your benefits and continue life in retirement.

  • Help us keep in touch
    about your pension


  • Feel part of the community
    of USS members

  • Help take care of your loved ones
    once you’re gone

Retirement – the start of a new life phase

Depending on your circumstances and lifestyle choices, there may be things you should think about to keep on top of your finances and future plans.

Understanding your USS membership, and the benefits you may be eligible for in retirement, could help along the way.

Living overseas in retirement

If you're living or planning to live in a different part of the world – be it a return to another country or a move to pastures new – rest assured you’ll still receive your USS pension.

See our working or retiring overseas page for more information.

Make sure your contact details are correct

Now that you’ve retired, it’s important to keep your details up to date. You can do this in My USS.

We recommend you provide a personal email address so we can always keep in touch.

Manage any Investment Builder savings left with us

If you’ve taken your Retirement Income Builder benefits but left your Investment Builder savings invested, check they’re invested in the right place for you and make sure you keep your Target Retirement Age up to date.

When you’re ready to take your savings, you’re not limited to taking your money in just one way. You can mix and match your options depending on your future plans. Read all about your options on our using your Investment Builder pot page.

Stay connected with USS

Keep an eye on our member news for the latest scheme updates and useful articles.

You can also talk to peers about how they’re managing their pension and tell us what you think about USS by joining Member Voice. Through this online community for USS members, you could also take part in research such as surveys, discussions and previewing new things we plan to do.

Our Stay connected in retirement page can also help you make the most of your time in retirement, with tips for finding new activities and opportunities.

Useful for you

Any questions?

You can visit our Help & support page featuring FAQs which may help to answer your questions, including information for if you’re flexibly retired.

If you have any questions about your pension in payment, call our Pensions Payroll Team on 0151 556 0747 or email

If you have any questions about your tax code, contact HMRC directly on 0300 200 3300, quoting your National Insurance number and our PAYE reference 428/U168.

If you have any questions about your Investment Builder savings or My USS, contact our Member Service Team on 0333 300 1043. Lines are open 9am - 5pm, Monday to Friday.