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Presentation for USS members Eifion Morris APMI. Your USS Journey.

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Presentation for USS members Eifion Morris APMI

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Presentation for USS members

Eifion Morris APMI

Your USS Journey

Every effort has been made to present accurate information. Members are advised to check with their employer and/or the USS guides to confirm their understanding before acting on any information given. This presentation may be recorded for training and audit purposes.


How much will your pension be?

The basics

The calculation

Each year your pension & tax-free cash are calculated and ‘banked’

What is salary?

Working out the pension


We now need to add increases ‘revaluation’

What does ‘Revalued’ mean?


Getting more out of USS

Put more in to get more out

Help from the tax man

Help from the tax man

Tax allowances

USS tax options

Added years modeller

Money Purchase AVC

How to pay AVCs

Keep your house in order

Transfers in to USS

Benefits for your dependants

Dependant’s pension – how much?

Dependant’s pensions

What if you leave?

Benefits on leaving

Options after leaving

When can you stop working?

Normal retirement

Future increases to NPA - 66

October 2020 NPA increases to 66

Early retirement

Varying pension and cash

What next?

What next?

  • Pensions office contacts

  • Prudential –

    • 0800 234 6913

  • USS website –

    • Slides available here

    • Pensions TV

Your questions

Pension increases

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