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Before you start to draw your deferred pension

If you die before your deferred pension starts to be paid, the following benefits may be payable:


Widow's, widower's or civil partner's pension
Your widow, widower or civil partner will receive a pension for life which will be equal to one-half of your deferred pension, including any increases awarded up to the date of your death. A reduced amount of pension is payable if they are more than 10 years younger than you.

The Trustee Directors have discretion not to pay a widow’s, widower’s or civil partner’s pension if you have been married or in a registered civil partnership for less than six months at the date of your death.


Partner’s pension
If you are living with a partner (other than a registered civil partner, who will normally receive a pension from the Scheme as of right), that person may be awarded a pension from the Scheme, paid at the discretion of the Trustee Directors, in the event of your death.

To nominate someone to receive a partner's pension, please complete a Partner's pension nomination form. Although your wishes are not binding on the Trustee Directors, they will take full account of any nomination they have received from you when considering the payment of benefits in the event of your death.

The person you nominate for a partner's pension can be a person of either sex with whom you are not in a legal marriage or registered civil partnership but with whom you are involved in an enduring relationship (normally two years or more although, in certain circumstances, the Trustee Directors may consider shorter periods). There must also be evidence of some form of financial interdependency between you.

Go to Scheme forms to view and/or print a Deferred member – Partner's pension nomination form.


Children's pensions
Pensions will also be payable to eligible children, subject to certain conditions.


Dependant's pension
In certain circumstances, the Trustee Directors have discretion to pay a pension to some other person who is financially dependent upon you – for example, an elderly relative or a disabled adult child.


A lump sum
A lump sum of five times the deferred pension you had earned at the date you left the Scheme will be payable to your dependants. You should complete an Expression of Wish form to indicate who you would like to receive this benefit.

Go to Scheme forms to view and/or print a Deferred member – Expression of Wish form.

Death benefits