For retirement counseling and questions, send a secure email to the Retirement Administration Service Center (RASC) via your UCRAYS account or call 1-800-888-8267. 

If you need help creating, logging into or making the most of your UCRAYS account please visit Getting help with UC Retirement At Your Service (UCRAYS).

UC Retirement Plan

The University of California Retirement Plan (UCRP) provides retirement income for eligible employees and their eligible survivors and beneficiaries. UCRP is a defined benefit plan in which benefits are calculated based on factors such as a member’s salary, age, and years of service credit.

More about UCRP on UCnet

  • Membership
  • Retirement Benefits
  • Beneficiaries
  • Capital Accumulation Payment (CAP)
  • Service Credit
  • Service Credit Buyback
  • Other UCRP Benefits

myUCretirement offers a range of retirement planning and financial education classes and resources to help you make the most of the UC Retirement System and Savings Program.

Retirement Estimator Tools

Returning to work after retirement
UC's policy on returning to work after retirement applies to those who are receiving UC Retirement Plan (UCRP) monthly income and those who elected a lump sum cashout at retirement.

Retirement Savings Programs

The UC Retirement Savings Program offers a convenient, tax-advantaged way to save for retirement. The Program consists of:

  • Tax-Deferred 403(b) Plan
  • 457(b) Deferred Compensation Plan
  • Defined Contribution Plan - which consists of the Pretax Account for mandatory Safe Harbor employee contributions and the After-Tax Account for voluntary contributions and the taxable portion of rollovers from other employer plans
  • **NEW** Roth contribution option to the UC 403(b) and 457(b) Plans. The Roth option allows you to pay taxes on contributions now so that you have the potential to take the money out tax-free in retirement.

Fidelity Retirement Services
Fidelity Retirement Services provides the record keeping and account services for the UC Retirement Savings Program. See the My UC Retirement website or call Fidelity Retirement Services for questions about:

  • Account Information
  • Beneficiaries
  • Changing or canceling contributions
  • Distributions
  • Enrolling
  • 403(b) loans
  • Performance Information
  • Rollovers
  • Transferring Funds

Financial Education Classes
My UC Retirement offers a range of retirement planning and financial education classes to help you make the most of the UC Retirement System and Savings Program.

One-on-One Guidance from a Fidelity Consultant
Schedule an appointment with a Fidelity Workplace Planning and Guidance Consultant who is ready to help you with:

  • Understanding your individual situation and priorities
  • Rollovers into UC Retirement Savings Program
  • Pre-retirement planning & CAP elections
  • Comprehensive retirement income planning

Planning for Retirement

Are you on track for retirement? UC provides many resources and tools to help you answer that question.

About three months before you plan to retire, you will want to begin the retirement process.

Preparing for Retirement

Webinars- take place on the second and fourth Tuesdays of every month from 10:00am - 12:30pm.

Video- available to watch at anytime

Retirement Estimator Tools

Retirement Estimator – Sign-in required
This tool is located in your UC Retirement At Your Service (UCRAYS) account.  Go to "Benefits Payments & Taxes" and then to the "Net Payment Estimator".  This tool provides estimates of your UC Retirement Plan (UCRP) benefit amounts at various ages or a retirement date that you select. The tool estimates monthly retirement income and the lump sum cashout. The estimates are not a guarantee of eligibility or benefit amounts.

Personalized Retirement Roadmap - Sign-in required
Go to My UC Retirement to see your Personalized Retirement Roadmap and your Readiness Scoreand get your Retirement Review. You can explore options that could help you build a brighter future.


Retiree Health Benefits

You may be eligible to continue your UC-sponsored medical, dental, vision, legal and accidental death and dismemberment (AD&D) insurance if you elect UCRP monthly retirement income. Your RASC retirement counselor will assist you with the transition to the retiree insurance program.

More about the retiree insurance program

Enrolling in Medicare when you retire

Retiree Health Eligibility Rules

Policy-covered UC faculty and staff fall into one of three categories for retiree health benefits eligibility, each based on the date of membership in UCRP or their rehire date after a break in service of 120 days or more. (For most employees, the membership date is the first day of work).

  • Employees hired prior to Jan. 1, 1990
  • Employees hired or rehired between Jan. 1, 1990 and June 30, 2013
  • Employees hired or rehired on or after July 1, 2013

These rules can vary by bargaining unit for employees who are currently in or have worked in union jobs while at UC.

Cost of Retiree Health Insurance

The amount that UC contributes to your medical and dental plans depends on:

  • Retiree health eligibility rules
  • Years of UCRP service credit
  • Age – factor added in 7/1/2013 rules


UC contributions toward medical and dental plans