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Retirement & Savings

Wherever you are in your career, there are steps you can take today to plan for a successful retirement.

Planning for the future.

UC offers a comprehensive array of retirement benefits, savings programs and educational and counseling resources to help you plan for retirement. All eligible new employees have a choice of primary—or required—retirement benefits, with costs shared by you and the UC system. We’re here to help you make the best informed retirement decisions.

Click on one of the following to make the most of the UC Retirement System:

  • UC Retirement Plan (UCRP): A more traditional pension plan, providing a predictable level of income when you retire.
  • Retirement Savings Program (RSP): Enhance your retirement security by voluntarily participating in the UC Retirement Savings Program. The program consists of three plans:
    • 403(b) Plan - Pre-tax or Roth (after-tax)
    • 457(b) Plan - Pre-tax or Roth (after-tax)
    • Defined Contribution Plan After-Tax
  • Financial Education Classes

Thinking About Retirement?

Wherever you are in your career, there are steps you can take today to plan for a successful retirement. In this section you can browse resources and review options to help you plan for the future.

Affordability

Can you afford to retire? UC Davis retirees can use pensions, retirement plans, social security, and savings accounts to help them afford their retirement.

  • The UC Retirement Plan is an automatically generated pension (and lump sum cash out). Estimates are available by logging on to UCRAYS.
  • The CAP Account (Capital Accumulation Provision) is available to UCRP members from 1992-1994, 2002 and/or 2003. You can review your account balance by logging on to UCRAYS.
  • Social Security: Click here to link to pension calculators at Social Security Online.
  • View your UC Retirement Savings Program balances for the following accounts by logging on to the Fidelity Retirement Services web site MyUCRetirement:
    • 403(b) Plan - Pre-tax or Roth (after-tax)
    • 457(b) Plan - Pre-tax or Roth (after-tax)
    • Defined Contribution Plan (DCP Safe Harbor and after-tax)
Employment Service Months in UCPath

You earn one month of qualifying service when you are on pay status for at least 50% of the working hours in the month or the quadriweekly cycle.

Employment service months are used to determine your vacation/PTO accrual rates. Employment service credit (months) and retirement service credit are not the same; these often do not match as they are calculated differently and for different purposes.

  • To see your employment service months, log into UCPath:
    • Employee Actions
    • Accruals and Leave Balances
Retirement (UCRP) Service Credit in UCRAYS

You earn UC Retirement Plan service credit when you are on pay status receiving covered compensation in a UCRP-eligible appointment.

Retirement service credit is based upon your actual hours on pay status with eligible earnings. If you work part-time, you earn a proportional amount of service credit.

  • To see your UCRP service credit, log into UCRAYS
Health Insurance

UC contributions toward retiree medical/dental insurance differs depending upon when employees joined the UC Retirement Plan. Click here for more information.

For information on retiree Medical plans, click here for the Health Care Facilitator Program.

For more information, please view our presentations on Health Insurance After You Retire.

Getting Started

To enroll or learn more, visit myUCretirement.com.