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This depends on the member‘s individual circumstances when they die. For more information, see the guide or what happens when you die.

As a member of the Investment Builder, you can choose how your pension contributions are invested. It’s an important choice – one of the key ways to enhance your pension savings between now and your retirement is the return on your investments.

If a member wants to take their Retirement Income benefits before the Normal Pension Age, their benefits may be reduced. We’ve listed the reductions that may apply in our guide.

Register for My USS today to manage your membership online.

We understand that as a financial adviser, you may need a lot information from us. So we’ve created a handy guide to provide you with the details you need and answer your all-important questions. It covers everything from historic and current member contributions to what happens when a member dies, and lots more.

Essential details of how the scheme works and what it means to be a member

Watch our videos to get to grips with all things pensions and what you might need to do.

Take a look through our FAQs, as well as a selection of helpful articles and videos that may answer your questions.

You’re now receiving your pension and hopefully enjoying your retirement. But it’s still important to make sure your money works for you. Take a look through the information below to help you keep on top of your pension.