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If you’re leaving work, or you just want to opt out of UMSS, here’s what you’ll need to do.



Opting out

If you want to opt out of UMSS, complete an Opting Out Form.



If you’re leaving your employment here, you don’t need to do anything as you will automatically stop contributing to UMSS. See below to find out about your options. We’ll send you a Leavers Pack, which will include your leaving statement.

If you leave, your last contribution to UMSS will be deducted from your last pay. After that, you will automatically stop building up benefits in UMSS. You can choose what to do with the benefits you have already built up, depending on your length of service.


Deferred benefits in UMSS (excluding any Fixed CARE AVCs) will be increased each April to allow for inflation. How we calculate the increase depends on when you built up your benefits, but generally the increase will reflect the change in the Retail Prices Index or Consumer Prices Index up to a maximum of 5% a year.

When you built up your benefits Inflation measure used
Before 1 April 2012 Retail Prices Index up to 5% every year
Between 1 April 2012 and 31 December 2018 Consumer Prices Index up to 5% every year
After 1 January 2019 Consumer Prices Index up to 5% every year

Opting out of UMSS

You can also leave UMSS if you still work here – this is called opting out. If you would like to opt out, simply complete an Opting Out Form, send it to the Pensions Office and we will arrange this for you.

If you change your mind, you may be able to opt back in within 6 months. This is not guaranteed and will depend on your circumstances. Please contact the Pensions Office to check whether you can re-join UMSS.