If you die when retired

When you buy an annuity with your retirement account, you can choose to buy one that includes provision for your partner.

You can also choose to guarantee that it will be paid for a specific number of years even if you die before then.

Benefits built up before April 2011

We will pay a pension to an adult dependant of half the pre-April 2011 benefits you have built up at the time of your death before any adjustment for taking a bridging pension and converting part of your pension into tax-free cash when you retired.

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

If you were in the Plus section (or in pensionable service before 1 July 2005 in the Standard section) your dependants may also receive a bereavement grant, currently £1,750, to help with funeral costs.