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If you were a USS member before 2016, you would’ve built your benefits in a different way to how you do now with the Retirement Income Builder and the Investment Builder. And if you left USS and later re-joined, you may have built up a mixture of benefits.

You may be an ‘Exempt Member’ if you were born on or before 1 October 1956 and were an active member of USS on 30 September 2011. The increase to Normal Pension Age won’t affect you if you retire before you’re 65.

If you leave the scheme after 6 October 2020 with less than two years’ service and it is before you’ve reached age 66, you may be eligible for a refund of your contributions.

Any benefits you’ve built up in the Retirement Income Builder up to 6 October 2020 aren’t affected by the changes. So, if you retire after 6 October 2020, we will calculate these in the same way as we do now.

This is any AA you have left over from the previous three tax years that can be used if you’ve gone over the current year’s AA.

You may be able to manage your Annual Allowance tax charge by using the Voluntary Salary Cap (VSC).

I must admit, starting straight from school, I found my first day quite daunting. But, as now and has been throughout my time here, everyone has always been supportive. I think this is part of the company's DNA.

Almost 50 years on since I first joined USS, the world – and technology, in particular – has changed so much and I am sure there will be more changes ahead.

You have access to a series of interactive presentations about the benefits and options provided by USS.