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href="/admin-services/human-resources/procedures/fixed-term-workers/faqs/">Frequently asked questions</a></li> </ul> </li> <li><a href="/admin-services/human-resources/procedures/workplace-adjustments/">Workplace adjustments</a> <ul class="multilevel-linkul-1"> <li><a href="/admin-services/human-resources/procedures/workplace-adjustments/workplace-adjustments-process/">Workplace adjustments process</a> <ul class="multilevel-linkul-2"> <li><a href="/admin-services/human-resources/procedures/workplace-adjustments/workplace-adjustments-process/workplace-adjustment-process-for-managers/">Workplace Adjustment Process for Managers</a></li> <li><a href="/admin-services/human-resources/procedures/workplace-adjustments/workplace-adjustments-process/workplace-adjustments-review-meeting/">Workplace Adjustments Review Meeting</a></li> </ul> </li> <li><a href="/admin-services/human-resources/procedures/workplace-adjustments/workplace-adjustment-passports/">Workplace adjustment passports</a> <ul 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requesting resolution</a></li> <li><a href="/admin-services/human-resources/procedures/resolution/staffagainst/">For staff who have a complaint raised against them</a></li> <li><a href="/admin-services/human-resources/procedures/resolution/investigation/">For managers conducting a formal investigation</a></li> <li><a href="/admin-services/human-resources/procedures/resolution/managers/">Line managers of staff requesting resolution</a></li> <li><a href="/admin-services/human-resources/procedures/resolution/facilitated-conversations/">Facilitated Conversations</a></li> </ul> </li> <li><a href="/admin-services/human-resources/compliance-and-immigration/safeguarding/">Safeguarding</a></li> <li><a href="/admin-services/human-resources/recruitment-and-promotions/secondments-/">Secondments</a></li> <li><a href="/admin-services/human-resources/procedures/sri/">Senior research investigators</a></li> <li><a href="/admin-services/human-resources/procedures/sexual-harassment-sexual-misconduct-and-sexual-violence-/">Sexual Harassment, Sexual Misconduct and Sexual Violence </a></li> <li><a href="/admin-services/human-resources/leave/sickness-absence/">Sickness absence</a></li> <li><a href="/admin-services/human-resources/procedures/smoke-free-policy/">Smoke free policy</a></li> <li><a href="/admin-services/human-resources/procedures/social-networking/">Social networking and personal internet presence</a></li> <li><a href="/admin-services/human-resources/leave/special-leave/">Special leave</a></li> <li><a href="/admin-services/human-resources/procedures/work-location-framework/">Work Location Framework</a> <ul class="multilevel-linkul-1"> <li><a href="/admin-services/human-resources/procedures/work-location-framework/overview-and-values/">Overview, Values and principles</a></li> <li><a href="/admin-services/human-resources/procedures/work-location-framework/work-location/">Work location</a></li> <li><a href="/admin-services/human-resources/procedures/work-location-framework/disabled-staff-and-workplace-adjustments-/">Disabled staff and Workplace Adjustments </a></li> <li><a href="/admin-services/human-resources/procedures/work-location-framework/determining-work-location/">Determining work location</a></li> <li><a href="/admin-services/human-resources/procedures/work-location-framework/hybrid-working---practical-considerations/">Hybrid working - practical considerations</a></li> <li><a href="/admin-services/human-resources/procedures/work-location-framework/interaction-of-the-work-location-framework-and-the-flexible-working-policy/">Interaction of the Work Location Framework and the Flexible Working Policy</a></li> <li><a href="/admin-services/human-resources/procedures/work-location-framework/support/">Additional support and guidance</a></li> <li><a href="/admin-services/human-resources/procedures/work-location-framework/faqs/">FAQs</a></li> </ul> </li> <li><a href="/admin-services/human-resources/procedures/workload-principles/">Workload Principles</a></li> </ul> </li><li><a href="/admin-services/human-resources/recruitment-and-promotions/">Recruitment and Promotions</a> <ul class="multilevel-linkul-0"> <li><a href="/admin-services/human-resources/recruitment-and-promotions/recruitment/">Recruitment and Progression</a> <ul class="multilevel-linkul-1"> <li><a href="/admin-services/human-resources/recruitment-and-promotions/recruitment/inclusive-recruitment/">Inclusive Recruitment</a></li> <li><a href="/admin-services/human-resources/recruitment-and-promotions/recruitment/professional-technical-and-operational-pto-establishment-review/">Professional, Technical and Operational (PTO) Establishment Review</a> <ul class="multilevel-linkul-2"> <li><a href="/admin-services/human-resources/recruitment-and-promotions/recruitment/professional-technical-and-operational-pto-establishment-review/guidance/">Guidance</a> <ul class="multilevel-linkul-3"> <li><a href="/admin-services/human-resources/recruitment-and-promotions/recruitment/professional-technical-and-operational-pto-establishment-review/guidance/guidance-for-line-managers/">Guidance for Line Managers</a></li> <li><a href="/admin-services/human-resources/recruitment-and-promotions/recruitment/professional-technical-and-operational-pto-establishment-review/guidance/guidance-on-application-form/">Guidance on Application Form</a></li> <li><a href="/admin-services/human-resources/recruitment-and-promotions/recruitment/professional-technical-and-operational-pto-establishment-review/guidance/guidance-on-writing-job-descriptions/">Guidance on Writing Job Descriptions</a></li> </ul> </li> <li><a href="/admin-services/human-resources/recruitment-and-promotions/recruitment/professional-technical-and-operational-pto-establishment-review/frequently-asked-questions/">Frequently Asked Questions</a></li> </ul> </li> <li><a href="/admin-services/human-resources/recruitment-and-promotions/recruitment/academic-senior-research-and-senior-teaching-appointments/">Academic, Senior Research and Senior Teaching appointments</a> <ul class="multilevel-linkul-2"> <li><a href="/admin-services/human-resources/recruitment-and-promotions/recruitment/academic-senior-research-and-senior-teaching-appointments/college-consuls/">College Consuls</a></li> <li><a href="/admin-services/human-resources/recruitment-and-promotions/recruitment/academic-senior-research-and-senior-teaching-appointments/chairs-professors-readers-researchers/">Appointment of Senior Academics, Senior Research and Senior Teaching staff</a> <ul class="multilevel-linkul-3"> <li><a href="/admin-services/human-resources/recruitment-and-promotions/recruitment/academic-senior-research-and-senior-teaching-appointments/chairs-professors-readers-researchers/further-particulars-/">Further Particulars </a></li> </ul> </li> </ul> </li> <li><a href="/admin-services/human-resources/recruitment-and-promotions/recruitment/honorary-and-visiting-associations/">Honorary and visiting associations</a></li> <li><a href="/admin-services/human-resources/recruitment-and-promotions/recruitment/professional-teaching-and-research-staff-appointments/">Professional, teaching and research staff appointments</a></li> <li><a href="/admin-services/human-resources/recruitment-and-promotions/recruitment/temporary-worker-appointments/">Temporary worker appointments</a> <ul class="multilevel-linkul-2"> <li><a href="/admin-services/human-resources/recruitment-and-promotions/recruitment/temporary-worker-appointments/existing-casual-workers/">Existing casual workers</a> <ul class="multilevel-linkul-3"> <li><a href="/admin-services/human-resources/recruitment-and-promotions/recruitment/temporary-worker-appointments/existing-casual-workers/frequently-asked-questions/">Frequently Asked Questions</a></li> </ul> </li> <li><a href="/admin-services/human-resources/recruitment-and-promotions/recruitment/temporary-worker-appointments/prospective-casual-workers/">Prospective casual workers</a></li> <li><a href="/admin-services/human-resources/recruitment-and-promotions/recruitment/temporary-worker-appointments/hiring-departments/">Hiring Departments</a> <ul class="multilevel-linkul-3"> <li><a href="/admin-services/human-resources/recruitment-and-promotions/recruitment/temporary-worker-appointments/hiring-departments/hiring-casual-workers/">Hiring casual workers</a> <ul class="multilevel-linkul-4"> <li><a href="/admin-services/human-resources/recruitment-and-promotions/recruitment/temporary-worker-appointments/hiring-departments/hiring-casual-workers/frequently-asked-questions/">Frequently Asked Questions</a></li> <li><a href="/admin-services/human-resources/recruitment-and-promotions/recruitment/temporary-worker-appointments/hiring-departments/hiring-casual-workers/app-user-guides/">App user guides</a></li> </ul> </li> </ul> </li> <li><a href="/admin-services/human-resources/recruitment-and-promotions/recruitment/temporary-worker-appointments/graduate-teaching-assistants/">Graduate Teaching Assistants</a></li> </ul> </li> <li><a href="/admin-services/human-resources/recruitment-and-promotions/recruitment/starting-salary-guidance-/">Starting salary guidance </a></li> <li><a href="/admin-services/human-resources/recruitment-and-promotions/recruitment/new-job-site-faq/">FAQs for new job site platform</a></li> </ul> </li> <li><a href="/admin-services/human-resources/recruitment-and-promotions/promotions/">Promotions</a> <ul class="multilevel-linkul-1"> <li><a href="/admin-services/human-resources/recruitment-and-promotions/promotions/academic-promotions/">Academic Promotions</a></li> <li><a href="/admin-services/human-resources/recruitment-and-promotions/promotions/learning-promotions/">Learning Promotions</a></li> <li><a href="/admin-services/human-resources/recruitment-and-promotions/promotions/research-staff-promotion-and-progression-review/">Research Promotions</a></li> <li><a href="/admin-services/human-resources/recruitment-and-promotions/promotions/teaching-promotions/">Teaching Promotions</a></li> </ul> </li> <li><a href="/admin-services/human-resources/recruitment-and-promotions/contracts/">Contract types and contract changes</a> <ul class="multilevel-linkul-1"> <li><a href="/admin-services/human-resources/recruitment-and-promotions/contracts/types/">Contract type guidance</a></li> <li><a href="/admin-services/human-resources/recruitment-and-promotions/contracts/role-guidance/" class="">Contract change form guidance</a></li> <li><a href="/admin-services/human-resources/recruitment-and-promotions/contracts/approvers/" class="">Trusted Requesters and Approvers for contract changes</a></li> <li><a href="/admin-services/human-resources/recruitment-and-promotions/contracts/contract-changes/">Contract changes for current staff</a></li> </ul> </li> <li><a href="/admin-services/human-resources/recruitment-and-promotions/job-families-and-grades/">Job families and grades</a> <ul class="multilevel-linkul-1"> <li><a href="/admin-services/human-resources/recruitment-and-promotions/job-families-and-grades/academic/">Academic</a></li> <li><a href="/admin-services/human-resources/recruitment-and-promotions/job-families-and-grades/academic-and-research/">Research</a></li> <li><a href="/admin-services/human-resources/recruitment-and-promotions/job-families-and-grades/learning-and-teaching/">Learning and Teaching</a></li> <li><a href="/admin-services/human-resources/recruitment-and-promotions/job-families-and-grades/operational/">Operational services</a></li> <li><a href="/admin-services/human-resources/recruitment-and-promotions/job-families-and-grades/professional/">Professional services</a></li> <li><a href="/admin-services/human-resources/recruitment-and-promotions/job-families-and-grades/technical/">Technical services</a></li> <li><a href="/admin-services/human-resources/recruitment-and-promotions/job-families-and-grades/teaching-and-research-working-group/">Working Group to review the Learning and Teaching and Research Terms and Conditions and the use of Fixed Term Contracts</a> <ul class="multilevel-linkul-2"> <li><a href="/admin-services/human-resources/recruitment-and-promotions/job-families-and-grades/teaching-and-research-working-group/phase-i/">Phase I</a></li> <li><a href="/admin-services/human-resources/recruitment-and-promotions/job-families-and-grades/teaching-and-research-working-group/phase-ii/">Phase II</a></li> <li><a href="/admin-services/human-resources/recruitment-and-promotions/job-families-and-grades/teaching-and-research-working-group/phase-iii/">Phase III</a></li> </ul> </li> <li><a href="/admin-services/human-resources/recruitment-and-promotions/job-families-and-grades/working-group-to-review-academic-titles-and-progression-at-imperial/" class="">Working Group to review Academic Titles and Progression at Imperial</a> <ul class="multilevel-linkul-2"> <li><a href="/admin-services/human-resources/recruitment-and-promotions/job-families-and-grades/working-group-to-review-academic-titles-and-progression-at-imperial/terms-of-reference/" class="">Terms of Reference</a></li> <li><a href="/admin-services/human-resources/recruitment-and-promotions/job-families-and-grades/working-group-to-review-academic-titles-and-progression-at-imperial/working-group-members/" class="">Working Group Members</a></li> <li><a href="/admin-services/human-resources/recruitment-and-promotions/job-families-and-grades/working-group-to-review-academic-titles-and-progression-at-imperial/meeting-summaries/" class="">Meeting Summaries</a></li> <li><a href="/admin-services/human-resources/recruitment-and-promotions/job-families-and-grades/working-group-to-review-academic-titles-and-progression-at-imperial/faqs/" class="">FAQs</a></li> </ul> </li> </ul> </li> <li><a href="/admin-services/human-resources/recruitment-and-promotions/secondments-/">Secondments </a></li> </ul> </li><li><span class="currentbranch0"><a href="/admin-services/human-resources/pay-and-pensions/">Pay and pensions</a></span> <ul class="multilevel-linkul-0"> <li><a href="/admin-services/human-resources/pay-and-pensions/principles-of-pay-and-recognition/">Principles of pay</a> <ul class="multilevel-linkul-1"> <li><a href="/admin-services/human-resources/pay-and-pensions/principles-of-pay-and-recognition/gender-and-ethnicity-pay-gap/">2024 Gender, Ethnicity, and Disability Pay Gap Reports</a> <ul class="multilevel-linkul-2"> <li><a href="/admin-services/human-resources/pay-and-pensions/principles-of-pay-and-recognition/gender-and-ethnicity-pay-gap/gender-ethnicity-and-disability-quartiles/">Gender, ethnicity and disability quartiles</a></li> <li><a href="/admin-services/human-resources/pay-and-pensions/principles-of-pay-and-recognition/gender-and-ethnicity-pay-gap/gender-ethnicity-and-disability-mean-and-median-pay-gaps/">Gender, ethnicity and disability mean and median pay gaps</a></li> <li><a href="/admin-services/human-resources/pay-and-pensions/principles-of-pay-and-recognition/gender-and-ethnicity-pay-gap/gender-pay-gap-in-bonuses/">Gender pay gap in bonuses</a></li> <li><a href="/admin-services/human-resources/pay-and-pensions/principles-of-pay-and-recognition/gender-and-ethnicity-pay-gap/ethnicity-pay-gap-in-bonuses/">Ethnicity pay gap in bonuses</a></li> <li><a href="/admin-services/human-resources/pay-and-pensions/principles-of-pay-and-recognition/gender-and-ethnicity-pay-gap/disability-pay-gap-bonuses/">Disability pay gap in bonuses</a></li> <li><a href="/admin-services/human-resources/pay-and-pensions/principles-of-pay-and-recognition/gender-and-ethnicity-pay-gap/previous-gender-and-ethnicity-data/">Comparison of previous gender and ethnicity pay gap data</a> <ul class="multilevel-linkul-3"> <li><a href="/admin-services/human-resources/pay-and-pensions/principles-of-pay-and-recognition/gender-and-ethnicity-pay-gap/previous-gender-and-ethnicity-data/previous-gender-data/">Comparison of 2017-2024 gender data</a></li> <li><a href="/admin-services/human-resources/pay-and-pensions/principles-of-pay-and-recognition/gender-and-ethnicity-pay-gap/previous-gender-and-ethnicity-data/previous-ethnicity-data/">Comparison of 2018-2024 ethnicity data</a></li> </ul> </li> <li><a href="/admin-services/human-resources/pay-and-pensions/principles-of-pay-and-recognition/gender-and-ethnicity-pay-gap/initiatives-and-projects/">Initiatives and projects</a></li> </ul> </li> </ul> </li> <li><span class="currentbranch1"><a href="/admin-services/human-resources/pay-and-pensions/pensions/">Pensions</a></span> <ul class="multilevel-linkul-1"> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/pensions-basics/">Pensions basics</a></li> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/saul/">SAUL pension scheme</a> <ul class="multilevel-linkul-2"> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/saul/saul-care/">SAUL Care</a></li> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/saul/saul-start/">SAUL Start</a></li> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/saul/saul-data-breach/">SAUL data breach</a></li> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/saul/saul-drop-ins-2024/">SAUL Drop-ins 2024</a></li> </ul> </li> <li><span class="currentbranch2"><a href="/admin-services/human-resources/pay-and-pensions/pensions/uss/">USS pension scheme</a></span> <ul class="multilevel-linkul-2"> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/uss/changes/">USS valuations</a> <ul class="multilevel-linkul-3"> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/uss/changes/what-is-a-valuation/">What is a valuation?</a> <ul class="multilevel-linkul-4"> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/uss/changes/what-is-a-valuation/glossary-of-parties-involves/">Glossary of terms including the parties involved</a></li> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/uss/changes/what-is-a-valuation/timeline/">Timeline</a></li> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/uss/changes/what-is-a-valuation/history/">How did we get here?</a></li> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/uss/changes/what-is-a-valuation/frequently-asked-questions/">Frequently asked questions</a></li> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/uss/changes/what-is-a-valuation/external-resources/">External resources which may help you understand your pension </a></li> </ul> </li> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/uss/changes/how-might-this-affect-me/">How might this affect me?</a></li> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/uss/changes/what-the-college-is-doing/">What the College is doing</a> <ul class="multilevel-linkul-4"> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/uss/changes/what-the-college-is-doing/uss-staff-working-group/">USS Staff Working Group</a></li> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/uss/changes/what-the-college-is-doing/imperial/">Our involvement with previous consultations and valuations</a></li> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/uss/changes/what-the-college-is-doing/joint-statement/">Joint statement from Imperial College London and the Imperial College UCU branch</a></li> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/uss/changes/what-the-college-is-doing/joint-letter/">Joint letter from the Universities of Cambridge and Oxford and Imperial College London</a></li> </ul> </li> </ul> </li> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/uss/uss-prudential-facility/">USS Prudential Facility</a></li> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/uss/capita-cyber-incident/">Capita Cyber Incident</a></li> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/uss/uss-drop-ins-2024/">USS Drop-ins 2024</a></li> </ul> </li> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/nhsps/">NHS pension scheme</a> <ul class="multilevel-linkul-2"> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/nhsps/nhs-scheme-pays/">NHS 19/20 scheme pays</a></li> </ul> </li> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/the-federated-pension-scheme/">The Federated Pension Scheme</a> <ul class="multilevel-linkul-2"> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/the-federated-pension-scheme/statement-of-investment-principles/">Statement of Investment Principles – May 2024</a> <ul class="multilevel-linkul-3"> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/the-federated-pension-scheme/statement-of-investment-principles/implementation-2324/">Implementation 23/24</a></li> </ul> </li> </ul> </li> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/financial-advice/">Financial advice</a></li> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/financial-planning/">Financial planning</a></li> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/tax-relief-on-pension-contributions/">Tax relief on pension contributions</a></li> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/approaching-retirement/">Approaching retirement</a></li> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/retirement-options/">Retirement options</a> <ul class="multilevel-linkul-2"> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/retirement-options/faqs/">FAQs</a></li> </ul> </li> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/pensions-auto-enrolment/">Pensions auto-enrolment</a> <ul class="multilevel-linkul-2"> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/pensions-auto-enrolment/2019-re-enrolment/">2022 Re-Enrolment</a></li> </ul> </li> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/pensionsmart/">PensionSMART</a> <ul class="multilevel-linkul-2"> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/pensionsmart/new-starters-information/">New starters information</a></li> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/pensionsmart/terminology-explained/">Terminology explained</a></li> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/pensionsmart/pensionsmart-faqs/">PensionSMART FAQs</a></li> </ul> </li> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/pension-options-for-overseas-staff/">Pension options for overseas staff</a></li> <li><a href="/admin-services/human-resources/pay-and-pensions/pensions/pension-faqs/">Pension FAQs</a></li> </ul> </li> <li><a href="/admin-services/human-resources/pay-and-pensions/pay-initiatives/">Pay initiatives</a> <ul class="multilevel-linkul-1"> <li><a href="/admin-services/human-resources/pay-and-pensions/pay-initiatives/annual-pay-award/">Annual pay award</a> <ul class="multilevel-linkul-2"> <li><a href="/admin-services/human-resources/pay-and-pensions/pay-initiatives/annual-pay-award/jtus-pay-claim-202425/">JTUs pay claim 2024/25</a></li> <li><a href="/admin-services/human-resources/pay-and-pensions/pay-initiatives/annual-pay-award/imperials-full-and-final-pay-offer-202425/">Imperial's full and final pay offer 2024/25</a></li> </ul> </li> <li><a href="/admin-services/human-resources/pay-and-pensions/pay-initiatives/pay-review/">Pay review</a> <ul class="multilevel-linkul-2"> <li><a href="/admin-services/human-resources/pay-and-pensions/pay-initiatives/pay-review/guidance-for-managers/">Guidance for managers</a></li> </ul> </li> </ul> </li> <li><a href="/admin-services/human-resources/pay-and-pensions/payroll-deadlines/">Payroll deadlines</a></li> <li><a href="/admin-services/human-resources/pay-and-pensions/salaries/">Salaries</a> <ul class="multilevel-linkul-1"> <li><a href="/admin-services/human-resources/pay-and-pensions/salaries/engaging-agency-workers--guidance-for-managers/">Engaging agency workers- Guidance for managers</a></li> </ul> </li> <li><a href="/admin-services/human-resources/pay-and-pensions/terms-and-conditions/">Terms and conditions</a></li> <li><a href="/admin-services/human-resources/pay-and-pensions/attraction-and-retention-at-imperial/">Attraction and retention at Imperial</a></li> <li><a href="/admin-services/human-resources/pay-and-pensions/benchmarking/" class="">Benchmarking</a> <ul class="multilevel-linkul-1"> <li><a href="/admin-services/human-resources/pay-and-pensions/benchmarking/professional-technical-operational-and-learning-benchmarks/" class="">Professional, technical, operational and learning benchmarks</a></li> <li><a href="/admin-services/human-resources/pay-and-pensions/benchmarking/research-job-family-benchmarks/" class="">Research job family benchmarks</a></li> <li><a href="/admin-services/human-resources/pay-and-pensions/benchmarking/teaching-fellows-benchmarks/" class="">Teaching Fellows benchmarks</a></li> <li><a href="/admin-services/human-resources/pay-and-pensions/benchmarking/national-academic-job-family-benchmarks/" class="">National Academic job family benchmarks</a></li> <li><a href="/admin-services/human-resources/pay-and-pensions/benchmarking/american-benchmarks/" class="">American benchmarks</a></li> <li><a href="/admin-services/human-resources/pay-and-pensions/benchmarking/international-academic-job-family-benchmarks/" class="">International Academic Job Family Benchmarks</a></li> </ul> </li> <li><a href="/admin-services/human-resources/pay-and-pensions/industrial-action/">Industrial action</a> <ul class="multilevel-linkul-1"> <li><a href="/admin-services/human-resources/pay-and-pensions/industrial-action/industrial-action-students/">Industrial action: guidance for students</a></li> <li><a href="/admin-services/human-resources/pay-and-pensions/industrial-action/industrial-action-staff/">Industrial action: guidance for staff</a></li> <li><a href="/admin-services/human-resources/pay-and-pensions/industrial-action/industrial-action-undergraduate-marking-and-assessment/">Industrial action: undergraduate marking and assessment</a></li> </ul> </li> </ul> </li><li><a href="/admin-services/human-resources/leave/">Leave and absence</a> <ul class="multilevel-linkul-0"> <li><a href="/admin-services/human-resources/leave/annual-leave/">Annual leave</a> <ul class="multilevel-linkul-1"> <li><a href="/admin-services/human-resources/leave/annual-leave/additional-leave/">Purchasing additional annual leave</a></li> <li><a href="/admin-services/human-resources/leave/annual-leave/calculations/">Calculations for annual leave</a></li> </ul> </li> <li><a href="/admin-services/human-resources/leave/sickness-absence/">Sickness absence</a></li> <li><a href="/admin-services/human-resources/leave/university-closure-days/">University closure days</a></li> <li><a href="/admin-services/human-resources/leave/carers-leave/">Carers leave</a></li> <li><a href="/admin-services/human-resources/leave/family-leave/">Family leave</a> <ul class="multilevel-linkul-1"> <li><a href="/admin-services/human-resources/leave/family-leave/adoption/">Adoption leave</a></li> <li><a href="/admin-services/human-resources/leave/family-leave/fertility-treatment/">Leave for fertility treatment</a></li> <li><a href="/admin-services/human-resources/leave/family-leave/maternity/">Maternity leave</a></li> <li><a href="/admin-services/human-resources/leave/family-leave/paternity-maternity-support-leave/">Paternity and maternity support leave</a></li> <li><a href="/admin-services/human-resources/leave/family-leave/shared-parental/">Shared parental leave</a></li> <li><a href="/admin-services/human-resources/leave/family-leave/surrogacy/">Surrogacy</a></li> <li><a href="/admin-services/human-resources/leave/family-leave/keep-in-touch/">Keeping in touch days</a></li> <li><a href="/admin-services/human-resources/leave/family-leave/new-parents/">Parents and carers workshops</a></li> <li><a href="/staff/parents-network/parental-portal/">Parental portal</a></li> </ul> </li> <li><a href="/admin-services/human-resources/leave/special-leave/">Special leave</a> <ul class="multilevel-linkul-1"> <li><a href="/admin-services/human-resources/leave/special-leave/compassionate/">Compassionate leave</a></li> <li><a href="/admin-services/human-resources/leave/special-leave/domestic-emergency/">Domestic emergencies leave</a></li> <li><a href="/admin-services/human-resources/leave/special-leave/family-emergency/">Family emergencies leave</a></li> <li><a href="/admin-services/human-resources/leave/special-leave/jury-service/">Jury service</a></li> <li><a href="/admin-services/human-resources/leave/special-leave/leave-of-absence-for-academics/">Leave of absence for academics</a></li> <li><a href="/admin-services/human-resources/leave/special-leave/public-duties/">Leave for public duties</a></li> <li><a href="/admin-services/human-resources/leave/special-leave/witness-duty/">Leave for witness duty</a></li> <li><a href="/admin-services/human-resources/leave/special-leave/parental-bereavement-leave/">Parental Bereavement Leave</a></li> <li><a href="/admin-services/human-resources/leave/special-leave/parental/">Parental leave</a></li> <li><a href="/admin-services/human-resources/leave/special-leave/academic-sabbatical/">Sabbatical leave for academic refreshment</a></li> <li><a href="/admin-services/human-resources/leave/special-leave/personal-sabbatical/">Sabbatical leave for personal refreshment</a></li> <li><a href="/admin-services/human-resources/leave/special-leave/reserve-forces/">Service in the volunteer reserve forces</a></li> <li><a href="/admin-services/human-resources/leave/special-leave/study/">Study leave</a></li> <li><a href="/admin-services/human-resources/leave/special-leave/unpaid/">Unpaid leave</a></li> </ul> </li> <li><a href="/admin-services/human-resources/leave/system-administrators/">Leave and absence system administrators </a></li> </ul> </li><li><a href="/admin-services/human-resources/support-and-advice/">Support and advice</a> <ul class="multilevel-linkul-0"> <li><a href="/admin-services/human-resources/support-and-advice/support-for-staff/">Support for staff</a></li> <li><a href="/admin-services/human-resources/support-and-advice/support-for-managers/">Support for managers</a> <ul class="multilevel-linkul-1"> <li><a href="/admin-services/human-resources/support-and-advice/support-for-managers/new-manager-faqs/">New manager FAQs</a></li> </ul> </li> <li><a href="/admin-services/staff-development/">Development</a></li> <li><a href="/admin-services/equality/">Equality</a></li> <li><a href="/staff/health-and-wellbeing/">Wellbeing</a></li> </ul> </li><li><a href="/admin-services/human-resources/benefits/">Benefits</a> <ul class="multilevel-linkul-0"> <li><a href="/admin-services/human-resources/benefits/saving-you-money/">Saving you money</a> <ul class="multilevel-linkul-1"> <li><a href="/admin-services/human-resources/benefits/saving-you-money/electric-vehicle-scheme/">Electric Vehicle Scheme</a></li> <li><a href="/admin-services/human-resources/benefits/saving-you-money/perks-at-work/">Perks at Work</a> <ul class="multilevel-linkul-2"> <li><a href="/admin-services/human-resources/benefits/saving-you-money/perks-at-work/perks-at-work-for-family--friends/">Perks at Work for family & friends</a></li> <li><a href="/admin-services/human-resources/benefits/saving-you-money/perks-at-work/perks-at-work-for-former-colleagues/">Perks at Work for former colleagues</a></li> </ul> </li> <li><a href="/admin-services/human-resources/benefits/saving-you-money/cycle-to-work-scheme/">Cycle to Work scheme</a></li> <li><a href="/admin-services/human-resources/benefits/saving-you-money/discounts/">Discounts</a> <ul class="multilevel-linkul-2"> <li><a href="/admin-services/human-resources/benefits/saving-you-money/discounts/local-discounts/">Local Discounts</a></li> <li><a href="/admin-services/human-resources/benefits/saving-you-money/discounts/online-discounts/">Online Discounts</a></li> </ul> </li> <li><a href="/admin-services/human-resources/benefits/saving-you-money/social/">Social activities</a> <ul class="multilevel-linkul-2"> <li><a href="/admin-services/human-resources/benefits/saving-you-money/social/walk/">Lunchtime walks</a></li> </ul> </li> <li><a href="/admin-services/human-resources/benefits/saving-you-money/discounts-for-teachers/">Discounts for teachers</a></li> <li><a href="/admin-services/human-resources/benefits/saving-you-money/overdrive/">Libby - borrow recreational audiobooks and e-books</a></li> </ul> </li> <li><a href="/admin-services/human-resources/benefits/looking-after-your-money/">Looking after your money</a> <ul class="multilevel-linkul-1"> <li><a href="/admin-services/human-resources/benefits/looking-after-your-money/loans/">Loans</a></li> <li><a href="/admin-services/human-resources/benefits/looking-after-your-money/childcare-support-/">Childcare Support </a></li> <li><a href="/admin-services/human-resources/benefits/looking-after-your-money/rental/">Rental deposit loan scheme</a></li> <li><a href="/admin-services/human-resources/benefits/looking-after-your-money/give-as-you-earn-gaye/">Give As You Earn (GAYE)</a></li> </ul> </li> <li><a href="/admin-services/human-resources/benefits/your-development/">Your development</a> <ul class="multilevel-linkul-1"> <li><a href="/staff/carers-network/being-a-carer-at-imperial/carers-support/">Carers' Support</a></li> <li><a href="/admin-services/human-resources/benefits/your-development/teaching-fellows-10-development-days/">Teaching Fellows 10 development days</a></li> </ul> </li> <li><a href="/admin-services/human-resources/benefits/live-well-work-well/">Live well, work well</a> <ul class="multilevel-linkul-1"> <li><a href="/admin-services/human-resources/benefits/live-well-work-well/mbs/">Mind, body and soul</a></li> <li><a href="/admin-services/human-resources/benefits/live-well-work-well/bupa-eduhealth/">Private health insurance (Bupa Eduhealth)</a></li> </ul> </li> <li><a href="/admin-services/human-resources/benefits/supporting-you-and-your-family/">Supporting you and your family</a> <ul class="multilevel-linkul-1"> <li><a href="/staff/carers-network/">Carers' network</a></li> <li><a href="/staff/early-years/">Early Years</a></li> <li><a href="/admin-services/human-resources/benefits/supporting-you-and-your-family/my-family-care/" class="">My Family Care</a></li> <li><a href="/admin-services/human-resources/leave/family-leave/">Family leave</a></li> <li><a href="/admin-services/human-resources/leave/special-leave/">Special leave</a></li> <li><a href="/admin-services/human-resources/benefits/supporting-you-and-your-family/elsie-widdowson-fellowship-award/">Elsie Widdowson Fellowship Award</a> <ul class="multilevel-linkul-2"> <li><a href="/admin-services/human-resources/benefits/supporting-you-and-your-family/elsie-widdowson-fellowship-award/case/">Case studies</a></li> </ul> </li> <li><a href="/staff/parents-network/">Parents' Network</a></li> <li><a href="/admin-services/human-resources/benefits/supporting-you-and-your-family/bumps/">Parents Network informal meetings</a></li> <li><a href="/admin-services/human-resources/benefits/supporting-you-and-your-family/imperial-activity-camp/">Imperial activity camp</a></li> </ul> </li> <li><a href="/admin-services/human-resources/leave/">Leave</a></li> <li><a href="/admin-services/human-resources/benefits/feedback/">Your benefits feedback</a></li> </ul> </li><li><a href="/admin-services/human-resources/engagement/">Staff Engagement</a> <ul class="multilevel-linkul-0"> <li><a href="/admin-services/human-resources/engagement/staff-survey/">Staff survey</a> <ul class="multilevel-linkul-1"> <li><a href="/admin-services/human-resources/engagement/staff-survey/results/" class="">Results 2024</a></li> <li><a href="/admin-services/human-resources/engagement/staff-survey/confidentiality-/">Confidentiality </a></li> <li><a href="/admin-services/human-resources/engagement/staff-survey/faqs/">FAQs</a></li> <li><a href="/admin-services/human-resources/engagement/staff-survey/visual-identity/">Visual identity</a></li> <li><a href="/admin-services/human-resources/engagement/staff-survey/past-surveys/" class="">Past surveys</a></li> <li><a href="/admin-services/human-resources/engagement/staff-survey/contact-us/">Contact us</a></li> <li><a href="/admin-services/human-resources/engagement/staff-survey/engagement-champions/">Engagement Champions</a></li> </ul> </li> <li><a href="/admin-services/human-resources/engagement/support-services-social-committee/">Support services social committee</a> <ul class="multilevel-linkul-1"> <li><a href="/admin-services/human-resources/engagement/support-services-social-committee/events-and-activities/">Events and activities</a></li> <li><a href="/admin-services/human-resources/engagement/support-services-social-committee/committee-members/">Committee members</a></li> <li><a href="/admin-services/human-resources/engagement/support-services-social-committee/queens-tower-tour-review/">Queen's Tower tour review</a></li> <li><a href="/admin-services/human-resources/engagement/support-services-social-committee/new-starters-networking-events/">New starters networking events</a></li> </ul> </li> <li><a href="/admin-services/human-resources/engagement/thank-you-day/">Thank you day</a></li> <li><a href="/admin-services/human-resources/engagement/long-servers-events/">Long servers events</a></li> <li><a href="/admin-services/human-resources/engagement/wellbeing/">Wellbeing survey</a> <ul class="multilevel-linkul-1"> <li><a href="/admin-services/human-resources/engagement/wellbeing/wellbeing-survey-results/" class="">Wellbeing survey results</a></li> </ul> </li> </ul> </li><li><a href="/admin-services/equality/">Equality</a></li><li><a href="/admin-services/human-resources/about-us/">About us</a> <ul class="multilevel-linkul-0"> <li><a href="/about-the-site/accessibility/">Accessibility statement</a></li> <li><a href="/admin-services/human-resources/about-us/a-z/">A-Z</a></li> <li><a href="/admin-services/human-resources/about-us/contact-us/">Contact us</a> <ul class="multilevel-linkul-1"> <li><a href="/admin-services/human-resources/ask-staff-hub/">Ask the Staff Hub</a></li> <li><a href="/admin-services/human-resources/about-us/contact-us/central-hr-administration/">Central HR Administration</a></li> <li><a href="/admin-services/human-resources/about-us/contact-us/directors-office/">Director's Office</a></li> <li><a href="/admin-services/human-resources/about-us/contact-us/employee-relations-and-hr-policy/">Employee Relations and HR Policy</a> <ul class="multilevel-linkul-2"> <li><a href="/admin-services/human-resources/about-us/contact-us/employee-relations-and-hr-policy/report-and-support-data-2023/">Report and Support data 2023</a></li> <li><a href="/admin-services/human-resources/about-us/contact-us/employee-relations-and-hr-policy/report-and-support-data-2022/">Report and Support data 2022</a></li> <li><a href="/admin-services/human-resources/about-us/contact-us/employee-relations-and-hr-policy/employee-relations-data-2023/">Employee Relations data 2023</a></li> <li><a href="/admin-services/human-resources/about-us/contact-us/employee-relations-and-hr-policy/employee-relations-data-2022/">Employee Relations data 2022</a></li> <li><a href="/admin-services/human-resources/about-us/contact-us/employee-relations-and-hr-policy/employee-relations-training/">Employee Relations Training</a></li> </ul> </li> <li><a href="/admin-services/human-resources/about-us/contact-us/recruitment-hub/">Recruitment Hub</a></li> <li><a href="/admin-services/human-resources/about-us/contact-us/senior-appointments/">Senior Appointments</a></li> <li><a href="/admin-services/human-resources/about-us/contact-us/hr-partnering-and-reward/">HR Partnering and Reward</a></li> <li><a href="/admin-services/human-resources/about-us/contact-us/systems-and-information/">Systems and Information</a> <ul class="multilevel-linkul-2"> <li><a href="/admin-services/human-resources/about-us/contact-us/systems-and-information/insights/" class="">HR Insights</a></li> <li><a href="/admin-services/human-resources/about-us/contact-us/systems-and-information/systems/" class="">HR Systems</a></li> </ul> </li> <li><a href="/admin-services/human-resources/about-us/contact-us/staff-compliance-and-immigration/">Staff Compliance and Immigration</a></li> </ul> </li> <li><a href="/admin-services/human-resources/about-us/hr-notices-/">HR Notices </a></li> <li><a href="/admin-services/human-resources/about-us/peoplestrategy/">People Strategy 2022+</a> <ul class="multilevel-linkul-1"> <li><a href="/admin-services/human-resources/about-us/peoplestrategy/foreward/">Foreword</a></li> <li><a href="/admin-services/human-resources/about-us/peoplestrategy/foundations/">Foundations</a></li> <li><a href="/admin-services/human-resources/about-us/peoplestrategy/finding-and-developing-diverse-talent/">Finding and developing diverse talent</a></li> <li><a href="/admin-services/human-resources/about-us/peoplestrategy/supporting-an-inclusive-culture-and-leadership/">Supporting an inclusive culture and leadership</a></li> <li><a href="/admin-services/human-resources/about-us/peoplestrategy/building-a-resilient-workplace/">Building a resilient workplace</a></li> </ul> </li> <li><a href="/admin-services/human-resources/about-us/service-level-agreements/">Service Level Agreements</a> <ul class="multilevel-linkul-1"> <li><a href="/admin-services/human-resources/about-us/service-level-agreements/slas/">HR Staff Hub</a></li> <li><a href="/admin-services/human-resources/about-us/service-level-agreements/recruitment-hub/">Recruitment Hub</a></li> <li><a href="/admin-services/human-resources/about-us/service-level-agreements/temporary-worker-team/">Temporary Worker Team</a></li> <li><a href="/admin-services/human-resources/about-us/service-level-agreements/job-evaluation/">Job Evaluation</a></li> <li><a href="/admin-services/human-resources/about-us/service-level-agreements/staff-compliance/">Staff Compliance</a></li> </ul> </li> </ul> </li>  </ul> </nav> </div> </div> </div> </div> </header> <main id="page"> <div class="show-no-js"> <div class="container"> <p class="step-1">In this section</p> <nav class="nav-fallback"> <ul class="nav-fallback__parent"> <li> <a class="lwi" href="/admin-services/human-resources/"> Human Resources </a> </li> </ul> <ul class="cluster cluster--pad-m"><li><a href="/admin-services/human-resources/pay-and-pensions/pensions/uss/changes/">USS valuations</a></li><li><a href="/admin-services/human-resources/pay-and-pensions/pensions/uss/uss-prudential-facility/">USS Prudential Facility</a></li><li><a href="/admin-services/human-resources/pay-and-pensions/pensions/uss/capita-cyber-incident/">Capita Cyber Incident</a></li><li><a href="/admin-services/human-resources/pay-and-pensions/pensions/uss/uss-drop-ins-2024/">USS Drop-ins 2024</a></li></ul> </nav> </div> </div> <div class="container content-template" id="content"> <nav class="page-area-heading"> <a href="/admin-services/human-resources/">Human Resources</a> </nav> <div class="page-heading lg-8 sm-12"> <div class="breadcrumbs"> <ul> <li><a href="/">Imperial Home</a></li> <li><a href="/admin-services/">Administration and support services</a></li><li><a href="/admin-services/human-resources/">Human Resources</a></li><li><a href="/admin-services/human-resources/pay-and-pensions/">Pay and pensions</a></li><li><a href="/admin-services/human-resources/pay-and-pensions/pensions/">Pensions</a></li><li><a href="/admin-services/human-resources/pay-and-pensions/pensions/uss/">USS pension scheme</a></li> </ul> </div> <h1>USS pension scheme</h1> </div> <div class="row row--space-between flow-opposite top" id=""> <aside class="col lg-3 md-4 sm-12"> <div class="section-sidebar"> <button class="section-sidebar__button" aria-expanded="false" aria-controls="section-sidebar-content"> <h2 class="section-sidebar__heading">In this section</h2> <svg role="img" aria-hidden="true" focusable="false" class="icon icon--m"> <use xlink:href="/assets/website/images/svg/icons.svg#chevron-down"></use> </svg> </button> <div class="section-sidebar__content" id="section-sidebar-content"> <ul class="section-sidebar__list flow-2xs"><li><a href="/admin-services/human-resources/pay-and-pensions/pensions/uss/changes/">USS valuations</a></li><li><a href="/admin-services/human-resources/pay-and-pensions/pensions/uss/uss-prudential-facility/">USS Prudential Facility</a></li><li><a href="/admin-services/human-resources/pay-and-pensions/pensions/uss/capita-cyber-incident/">Capita Cyber Incident</a></li><li><a href="/admin-services/human-resources/pay-and-pensions/pensions/uss/uss-drop-ins-2024/">USS Drop-ins 2024</a></li> </ul> </div> </div> </aside> <div class="col lg-8 sm-12" role="main" id="primary-content">  <div class="module flow-m"> <div class="row wysiwyg"> <p>The USS is a hybrid scheme, meaning that it is partly a <strong>Defined Benefit</strong> scheme and partly a <strong>Defined Contribution</strong> scheme. Members currently earn a Defined Benefit pension on salary up to £70,296 pa and Defined Contribution benefits on salaries above this threshold <strong>at a cost of 6.1% of salary to members and 14.5% for employers</strong>. The USS is one of the largest private pension schemes in the UK that currently still allows new Defined Benefits to be built up.</p> <p><strong>Defined Benefit Scheme</strong></p> <ul> <li>In a <strong>Defined Benefit Scheme</strong>, the employer agrees to provide a specified, fixed, annual pension payment and/or lump sum at retirement, which is calculated through a formula based on a member’s salary and length of service. The amount usually increases with inflation and is guaranteed until death.</li> </ul> <p><strong>Defined Contribution Scheme</strong></p> <ul> <li>In a <strong>Defined Contribution scheme</strong>, members have individual saving pots that both they and their employer pay into. At retirement, members draw their pension savings from this fund, which consists of all the employer and employee contributions paid in over the years, plus investment returns that have been earned by investing the scheme in, for example, stocks and shares. In this kind of scheme, employees can choose whether they wish to take out all their retirement savings as a lump sum, or to opt for alternative options such as an annuity or drawdown. An annuity is a fixed sum of money paid to someone each year, typically for the rest of his or her life. The annuity option provides a guaranteed regular retirement income from your individual saving pot. Drawdown involves keeping your individual saving pot invested but regularly drawing an income from it rather than purchasing an annuity.</li> </ul> <h3><strong>Opting Out</strong></h3> <p>If you are in the job family, Level 4 and above and are contributing to USS pension scheme and wish to opt out, please complete the opt out form and return it to <a href="mailto:pensions@imperial.ac.uk">pensions@imperial.ac.uk </a> </p> <p><strong>You can refer to your contract of employment to check which scheme you are registered in or will be auto-enrolled into. NOTE: You cannot opt out of a pension scheme before your start date, or, if you are a casual worker until you have been auto-enrolled into a pension scheme.</strong></p> <ul> <li><a href="https://www.imperial.ac.uk/media/imperial-college/administration-and-support-services/hr/public/pensions/Notice-to-opt-out-or-withdraw-from-USS-form.pdf">Notice to opt out or withdraw from USS form</a> - USS Opt Out Form</li> </ul> <p>For direct updates on the changes, please visit <a href="/admin-services/human-resources/pay-and-pensions/pensions/uss/changes/" title="Changes%20to%20the%20USS%20pension%20scheme">Imperial's update page</a> and <a title="USS's website" href="https://www.uss.co.uk/">USS's website</a>. </p> </div> <div class="flexible "> <div class="heading sr-only"> <h2 class="title">USS</h2> </div> <div class="row equal-height-columns">  <div class="flexible__item"> <div class="link-list equal-height"> <h3 class="title">Helpful resources</h3> <ul class="link-list"> <li> <a href="https://www.uss.co.uk/"> USS Website </a> </li> <li> <a href="/admin-services/human-resources/pay-and-pensions/pensions/financial-advice/"> Financial advice </a> </li> <li> <a href="/admin-services/human-resources/pay-and-pensions/pensions/uss/uss-prudential-facility/"> USS prudential facility </a> </li> </ul> </div> </div>   <div class="flexible__item"> <div class="media-item full light-primary equal-height"> <a href="/admin-services/human-resources/pay-and-pensions/pensions/pension-faqs/"> <div class="content"> <h3 class="title">FAQs</h3> <p>Pensions can seem complicated, see a detailed list of questions and answers to help.</p> <p> <span class="link primary">More information</span> </p> </div> </a> </div> </div>   <div class="flexible__item"> <div class="media-item full primary reverse equal-height"> <a href="/admin-services/human-resources/pay-and-pensions/pensions/uss/changes/"> <div class="content"> <h3 class="title">Changes to USS</h3> <p>Learn more about the ongoing valuation process and what this means for you.</p> <p> <span class="link primary">More information</span> </p> </div> </a> </div> </div>   <div class="flexible__item"> <div class="media-item full primary reverse equal-height"> <a href="mailto:pensions@imperial.ac.uk" target="_blank"> <div class="content"> <h3 class="title">Ask the Pensions Team</h3> <p>Need more help on the USS pension scheme? Get in touch with our Pensions team</p> <p> <span class="link primary">Get your queries answered</span> </p> </div> </a> </div> </div>  </div> </div>   <div class="heading"> <h2 class="title fake-h3 not-sr-only"> The USS Scheme </h2> </div> <div class="a11y-accordion-tabs wysiwyg"> <div class="accordion-tabs js-tabs" data-tabs-allowed="false" data-start-collapsed="true"> <ul role="tablist" class="tabs-tab-list"> <li role="presentation"> <a href="#tabpanel_718399" role="tab" id="tab_718399" aria-controls="tabpanel_718399" aria-selected="true" class="tabs-trigger js-tabs-trigger"> Eligibility </a> </li><li role="presentation"> <a href="#tabpanel_718400" role="tab" id="tab_718400" aria-controls="tabpanel_718400" aria-selected="true" class="tabs-trigger js-tabs-trigger"> The scheme and how it works </a> </li><li role="presentation"> <a href="#tabpanel_718401" role="tab" id="tab_718401" aria-controls="tabpanel_718401" aria-selected="true" class="tabs-trigger js-tabs-trigger"> Contributions and how much it costs </a> </li><li role="presentation"> <a href="#tabpanel_718402" role="tab" id="tab_718402" aria-controls="tabpanel_718402" aria-selected="true" class="tabs-trigger js-tabs-trigger"> My USS </a> </li> </ul> <section id='tabpanel_718399' role='tabpanel' aria-labelledby='tab_718399' class='tabs-panel js-tabs-panel' tabindex='0'> <div class='accordion-trigger js-accordion-trigger' aria-controls='tabpanel_718399' tabindex='0'> Eligibility <svg role='img' aria-hidden='true' focusable='false' class='icon icon--m'><use xlink:href='/assets/website/images/svg/icons.svg#chevron-down'></use></svg> </div> <div class='content' aria-hidden='false'> <p>USS is for the Academic and Research job family as well as staff in the Professional, Technical, Operational and Learning grades, Level 4 and above, and Senior Teaching Fellow grade and above for Teaching grades. Imperial automatically enters all eligible staff into the scheme, as required by law.</p> </div> </section><section id='tabpanel_718400' role='tabpanel' aria-labelledby='tab_718400' class='tabs-panel js-tabs-panel' tabindex='0'> <div class='accordion-trigger js-accordion-trigger' aria-controls='tabpanel_718400' tabindex='0'> The scheme and how it works <svg role='img' aria-hidden='true' focusable='false' class='icon icon--m'><use xlink:href='/assets/website/images/svg/icons.svg#chevron-down'></use></svg> </div> <div class='content' aria-hidden='false'> <div class="subWidget "> <div> <div> <div class="section page-theme col-md-full " data-section-title="."> <div class="subDiv full-width-container"> <div class="container"> <div class="subWidget col-md-10 col-md-offset-1 grid-row-2"> <div> <div> <div class="col-xs- animated" data-animation=""> <div class="widget"> <div> <div class="text-editor"> <div> <p><span style="font-size: 1.5rem; font-weight: 400;">The USS is a hybrid scheme, meaning that it is partly a </span><strong style="font-size: 1.5rem;">Defined Benefit</strong><span style="font-size: 1.5rem; font-weight: 400;"> scheme and partly a <strong>Defined Contribution</strong> scheme. Members currently earn a Defined Benefit pension on salary up to £70,296 pa and Defined Contribution benefits on salaries above this threshold <strong>at a cost of 6.1% of salary to members and 14.5% for employers. </strong>The USS is one of the largest private pension schemes in the UK that currently still allows new Defined Benefits to be built up.</span></p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="subWidget "> <div class="section page-theme col-md-full-width " data-section-title="."> <div class="subDiv"> <div class="subWidget col-md-12 grid-row-0"> <div class="col-xs-" data-animation=""> <h6><strong>Defined Benefit Scheme</strong></h6> <p>In a <strong>Defined Benefit Scheme</strong>, the employer agrees to provide a specified, fixed, annual pension payment and/or lump sum at retirement, which is calculated through a formula based on a member’s salary and length of service. The amount usually increases with inflation and is guaranteed until death.</p> <h6><strong>Defined Contribution Scheme</strong></h6> <p>In a <strong>Defined Contribution scheme</strong>, members have individual saving pots that both they and their employer pay into. At retirement, members draw their pension savings from this fund, which consists of all the employer and employee contributions paid in over the years, plus investment returns that have been earned by investing the scheme in, for example, stocks and shares. In this kind of scheme, employees can choose whether they wish to take out all their retirement savings as a lump sum, or to opt for alternative options such as an annuity or drawdown. An annuity is a fixed sum of money paid to someone each year, typically for the rest of his or her life. The annuity option provides a guaranteed regular retirement income from your individual saving pot. Drawdown involves keeping your individual saving pot invested but regularly drawing an income from it rather than purchasing an annuity.</p> </div> </div> </div> </div> </div> </div> </section><section id='tabpanel_718401' role='tabpanel' aria-labelledby='tab_718401' class='tabs-panel js-tabs-panel' tabindex='0'> <div class='accordion-trigger js-accordion-trigger' aria-controls='tabpanel_718401' tabindex='0'> Contributions and how much it costs <svg role='img' aria-hidden='true' focusable='false' class='icon icon--m'><use xlink:href='/assets/website/images/svg/icons.svg#chevron-down'></use></svg> </div> <div class='content' aria-hidden='false'> <h4>Defined Benefits Scheme</h4> <ul> <li>In the Defined Benefit section of USS you build up your pension via the <strong>Retirement Income Builder</strong>. In this section you will build up a pension based on 1/75 of your earnings each year, up to a threshold, currently £70,296 pa or £5858 per month.</li> <li>You also build up a tax-free lump sum of 3/75 of your earnings up to the same limit.</li> <li>At the end of each year the pension you have earned is added to any previous pension earned in earlier years. It is then increased in line with the growth in the Consumer Price Index (CPI), up to a maximum of 10%.</li> </ul> <h4>Defined Contributions Scheme</h4> <ul> <li>In the Defined Contribution section of USS you build up your pension via the <strong>Investment Builder</strong>. If you earn over the salary threshold of £70,296 pa, you will automatically join this section as well as the Income Builder section above.</li> <li>Contributions in excess of the threshold go into the investment fund. 6.1% of your contributions above the threshold and 13.9% of employer contributions above the threshold are invested each month you are paid.</li> <li>You choose where your contributions are invested by making your choices in <a href="https://www.uss.co.uk/register-for-my-uss">My USS</a>. The Investment Builder offers flexibility in drawing from this fund at retirement and you can either: - secure a regular income; leave your savings invested and make withdrawals when you need to; or a combination of any of the options above.</li> </ul> </div> </section><section id='tabpanel_718402' role='tabpanel' aria-labelledby='tab_718402' class='tabs-panel js-tabs-panel' tabindex='0'> <div class='accordion-trigger js-accordion-trigger' aria-controls='tabpanel_718402' tabindex='0'> My USS <svg role='img' aria-hidden='true' focusable='false' class='icon icon--m'><use xlink:href='/assets/website/images/svg/icons.svg#chevron-down'></use></svg> </div> <div class='content' aria-hidden='false'> <p>My USS is the online service for managing your USS savings and benefits. Once you have registered you will be able to: -</p> <ul> <li>Nominate who you would like to receive the lump sum benefit in the event of your death</li> <li>View the defined benefit pension you have built up in USS Retirement Income Builder</li> <li>Review your USS Investment Builder fund choices</li> <li>View your Investment Builder contributions and see your fund value (note this is only the Investment Builder contributions, not Income Builder)</li> <li>Review and amend your Target Retirement Age from the default position of your Normal Pension Age</li> <li>Top up your pension saving with additional contributions</li> <li>You may also wish to consider transferring any pension you have earned before joining USS into your Investment Builder account.</li> <li>View your digital Annual Member Statements</li> </ul> <p><a title="ACCESS MY USS" href="https://www.uss.co.uk/members/members-home/the-uss-scheme/my-uss">ACCESS MY USS</a></p> </div> </section> </div> </div>  </div> <section 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