Xerox Final Salary Pension Scheme - deferred member logo

What happens if I get married?

If you marry or enter a registered civil partnership, you new wife, husband or civil partner will become entitled to a pension in the event of your death. You should inform the Scheme administrator of your marriage by completing a Deferred member – Change of personal details form.

Go to Scheme forms to view and/or print a Deferred member – Change of personal details form.

The following benefits will be payable:


Widow’s, widower’s or civil partner’s pension
If you should die before your pension starts to be paid, 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.

If you should die after your pension starts to be paid, the pension will be one-half of your own pension, including any increases awarded since you retired and ignoring any reduction in your pension if you took a Pension Commencement Lump Sum at retirement.

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.


A lump sum
A lump sum will be payable to your dependants.

If you die before your pension starts to be paid, the lump sum will be five times your annual deferred pension.

If you die after your pension starts to be paid, the lump sum will be equal to the unpaid balance of five years’ pension payments on the assumption that the pension continues without any increase.

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.