who is entitled

to a pension?

If a member dies and leaves a spouse or civil partner, they may be entitled to receive a pension.

If the spouse or civil partner is more than 10 years younger than the member, the pension may be reduced by the Trustee, subject to minimum pension limits.

If the member died after taking their pension, the spouse or civil partner may only be entitled to receive the full amount of pension due if:

  • The marriage or civil partnership happened before the pension started

Or

  • The marriage or civil partnership happened after the pension started, but at least six months before the member died.

If the marriage or civil partnership happened place after the pension started, and less than six months before the member died, the Trustees can decide if any pension over and above the GMP should be paid.

To a lump sum?

In certain circumstances, a lump sum may be payable if a member dies. For example:

  • If the member has died before taking their pension, and they did not leave a spouse or civil partner
  • If the member has died after taking their pension, and within 5 years of the date from which the pension was taken

The Trustee will decide who the potential beneficiaries of any lump sums should be paid to. To help the Trustee decide, members are encouraged to keep their Expression of Wish form up to date. This form tells the Trustee who the member wants to receive any payment. The Trustee doesn't legally have to pay a lump sums based on this form, but it will take this form into account when it makes its decision.