Benefits if you die - for pre 1 October 2017 joiners

If you die in service we will pay out a tax free lump sum. We may also pay out pensions to your dependents.

Lump sum

In most cases this will be three times your salary at the time of your death.

The beneficiary or beneficiaries are at the complete discretion of the trustees. This means that the payment will be tax free.

We strongly recommend that you complete a Member’s wishes concerning disposal of Death in Service lump sum (NOM1) form (23kb) to give the name(s) of those who you would like to receive the money. You can nominate more than one person if you like. This form will help the trustees make their decision. You should update this form if your circumstances change.

Adult dependents

The following are automatically entitled to receive a pension on your death:

  • your spouse; or
  • your civil partner

The following may receive a pension at the trustees’ discretion:

  • an unmarried partner with whom you are living as if you were married or civil partners;
  • any other adult who is wholly or partly dependent on you, perhaps due to disability or old age.

If you have someone in this situation we recommend that you nominate them on a Registration of potential dependants (NOM3) form (89kb) .

If there is more than one adult dependent the trustees will decide how to distribute the pension.

We enhance your pension to your scheme retirement date. Your dependent will get a proportion of this enhanced pension; two-thirds of the final salary pension and one half of the CARE pension.

Children

The following are automatically entitled to receive a child allowance:

  • all of your children who are under age 17; or
  • any other dependent children under age 17 who are treated as a child of your family.

Older children may receive a child allowance at the trustees’ discretion if they:

  • are under age 23 and in full-time education; or
  • are unable to earn their own living at any age due to disability.

We enhance your pension to your scheme retirement date. Your child/children will get a proportion of this enhanced pension. The amount each child receives depends on the number of children and whether or not there is also an adult dependent.