If you die before you retire

We will use the value of your retirement account to buy an annuity for your partner or pay it as a cash sum. These benefits are paid at the trustees’ discretion but taking into account your expression of wish form.

Benefits built up before April 2011

We will pay a cash amount equal to five times your leaver’s pension increased to the date of death and a pension to your adult dependant of half your increased leaver’s pension.

We will also pay one quarter of your pre-April 2011 dependant’s pension for each dependent child for up to four children, as long as they are under age 18 (21 if they are in full time education) or for the rest of their life if they are disabled.

If we do not pay a pension to an adult, we will double the children’s pension and pay it for up to four children.

Once we start paying a pension to your dependants, we will increase it on 1 April each year.