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What happens if I die?

If you die before your pension starts, the following benefits will be payable in the majority of cases, however, if your yearly benefit statement shows different benefits then those take precedent.

Scheme

Pension

Cash

Main scheme

Your spouse, civil partner or adult dependant will receive a pension of 50% of your deferred pension (including increases up to the date of your death)

And

Children˙s pensions of 25% of the above pension are also payable for up to four children, at any time, until the reach the age of 18, or 21 if they continue in full-time education.

Tax-free cash equal to five times your annual deferred pension (including increases up to date of death).

AVCs
With profits fund

Tax-free cash equal to the current value of your deferred pension (including annual and special bonuses declared up to date of death).

AVCs
Unit linked funds

Tax-free cash equal to the current value of your AVC fund(s).

You should inform the trustees, c/o DMGT Pensions, of the person(s) you wish to choose to receive any cash sum payable on your death, by completing an expression of wish form. You should make sure this is kept up to date if your personal circumstances change.