If you die whilst still paying into the scheme

If you die before age 65 we will pay a cash amount of six times (four times for the Standard section) your Pensionable payPensionable pay

Your pensionable pay is your basic salary at any given point in time. at your date of death. Your credit account will not be reduced for early payment.

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 pension to your adult dependant of half the pre-April 2011 benefits you would have received had you retired immediately before your death.

We will also pay one quarter of your pre-April 2011 partner’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.