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Paying for your pensions

PensionChoice is our salary exchange scheme for pension contributions to the University of Manchester Superannuation Scheme (UMSS), Universities Superannuation Scheme (USS) and The University of Manchester Pension Saver (Pension Saver).  Funding a pension by salary exchange results in an increase in take home pay due to a reduction in National Insurance Contributions. 


For your first 3 months' membership you will pay by contribution deduction.  After 3 months you will automatically be switched into PensionChoice, unless you opt out of this arrangement. 

Pension Saver

You will automatically be entered into PensionsChoice from the start of your employment, unless you opt out of this arrangement. 

Further information

Please read our PensionChoice Guide.

You can also download our FAQs that will help to answer all those questions you may have about participating in PensionChoice.

You can use the modeller to see the National Insurance savings you could make from using PensionChoice.

Important documents

If you have previously chosen not to participate in PensionChoice, you can opt-in to PensionChoice by completing an opt-in form using the links below:

PensionChoice opt-in form

If you wish to opt-out of PensionChoice please complete an opt-out form using the links below:

PensionChoice opt-out form

Update for USS members

PensionChoice is our salary exchange scheme - If you elect to pay additional contributions above the standard 9.6%, to pay these via PensionChoice, please ensure you tick the box ‘Do you wish these contributions to be made by salary sacrifice?’ in My USS.

Related links

Independent financial advice from:

The Pensions Advisory Service

Money Advice Service