Are you confident you’ll be able to afford the retirement lifestyle you want?

Your next step is working out how you might take your USS benefits or savings.
You have a few options – you could:
- retire later and continue to build your benefits
- save more towards your future by making additional contributions
- flexibly retire and continue to build your benefits
If you’ve left USS and are no longer paying in, these options won’t be available to you. You must take your benefits no later than the Normal Pension Age.

If you’d like to take some time to think about the money you’ll need before you carry on, that’s fine. You can finish here and come back another time. Or continue to the next question to think about how you might take your USS benefits and savings.
Your next step is working out how you might take your USS benefits or savings.

Useful Resources:

Visit your options at different ages and stages for what you can take and when Save for later
View the value of your benefits and savings in My USS Save for later
Use our Benefit Calculator to estimate what you could get in the future Save for later
If you're no longer paying in to USS, use our Benefit Calculator to see what your benefits could be at the Normal Pension Age. Save for later

You have a few options. You could retire later, save more towards your retirement or flexibly retire and continue to pay into your pension. If you’ve left USS and are no longer paying in, these options won’t be available to you. You must take your benefits.

If you’d like to take some time to think about the money you’ll need in retirement before you carry on, that’s fine. You can finish here and come back another time. Or continue to the next question to think about how you might take your savings and benefits with USS.