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

You have different options open to you depending on your age. And even if you’re not able to start taking your benefits yet, there are things you can do to prepare yourself for your future.

A quick overview on tax relief and how income tax works when you take your pension.

Find out how revaluation is applied to your Retirement Income Builder benefits.

As of 1 April this year, the salary threshold will reduce from £59,883.65 to £40,000. A joint contribution from you and your employer of 20% of your salary above £40,000 goes into the Investment Builder. Your employer covers the cost of the administration and managing your investments, so you don’t need to worry about the cost of that.

Life cover gives you reassurance that your loved ones are looked after – read about this benefit and top tips for nominating beneficiaries.

The impact of the High Court ruling on GMP equalisation is being considered by the trustee and our actuarial and legal advisers.

Even if you’re no longer paying in to USS, you might be entitled to life cover, so if the worst should happen, your USS benefits could still provide for your loved ones. We know who you’d like to receive your USS pension and tax-free lump sum, complete an Expression of Wish form.