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

A pension is a simple way for you to save for your future. It could help towards things like paying off your mortgage, planning getaways or just getting you the retirement you're after.

If you think you may be affected by the Annual Allowance (AA), the Lump Sum Allowance (LSA) or the Lump Sum and Death Benefit Allowance (LSDBA) whilst you’re paying in to USS, you could choose one of the following options to help you manage your tax charges.

Your tax code will affect how much tax you pay. HMRC will contact us directly if this needs to change.

There are two parts to your pension that work together. There’s the Retirement Income Builder, the defined benefit (DB) part, which gives you a guaranteed income in retirement. Then there’s the Investment Builder, the defined contribution (DC) part, which gives you a flexible savings pot for your future. Together, they make USS a hybrid pension.

What you get will depend on what you’d like to access – whether it’s your Retirement Income Builder benefits, your Investment Builder pot, or both.

What you get will depend on what you’d like to access – whether it’s your Retirement Income Builder benefits, your Investment Builder pot, or both.

If you have pension savings elsewhere that you haven’t started taking and the scheme is registered with HMRC, you could transfer the pension benefits to the Investment Builder from most pension schemes.

Here's a rough guide to how long the transfer in process takes. The transfer in process could be quicker or can take longer, depending on a variety of factors like how responsive the scheme you’re transferring from is.