Your monthly retirement income is determined by a formula based on your age, years of service credit, and your highest average salary at retirement. It is not based on how much you've contributed to the Plan over the years.

In general, the older you are and the more service credit you have at retirement, the higher your retirement income will be. The UCRP Benefit Estimator can help you estimate your retirement income.

You can choose to provide a monthly benefit upon your death for your spouse, domestic partner or another person you name contingent annuitant.

Most UC employees hired since 1976 also have Social Security coverage. If you're covered, Social Security taxes are deducted from your gross wages each payday, and the benefits you receive from UCRP are designed to coordinate with your Social Security benefits.

• Contingent Annuitant Payment Options