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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.

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.

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.

Take a look at our Investment Builder page for more information.

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.