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If you are retired and still have savings in the Investment Builder, you have some options on how to access and use these savings. You can take cash payments from us (known as Uncrystallised Funds Pension Lump Sums - UFPLS), use your pot to provide a flexible retirement income, known as flexi-access drawdown or use your pot to buy a guaranteed income for life, known as an annuity.

There’s a lot to think about, when it comes to planning for your future, but as a USS member you can access guidance provided by Mercer and if you need it, financial advice.

Bill Galvin, USS’s Group Chief Executive, said: “We are very sorry that some USS member data held by Capita may have been accessed by a third party. Data privacy and security is a top priority for us, and we know our members will be concerned by this news.

Our retirement checklist will help you understand how to prepare for your future.

This factsheet explains how your pension benefits will be affected should you take time off work for a period of maternity, or other forms of family leave.

This factsheet explains the circumstances under which your benefits may be converted into a single lump sum payment if you suffer from serious ill health and have impaired life expectancy.

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

Hear from our investment experts on how we invest ethically.

The idea of divorce is likely to be a difficult time for most. There’s a lot of things you may need to consider. Your home. Your children. And your pension.