The following are automatically entitled to receive a pension on your death:
- your spouse; or
- your civil partner.
The following may receive a pension at the trustees’ discretion:
- an unmarried partner with whom you are living as if you were married or civil partners;
- any other adult who is wholly or partly dependent on you, perhaps due to disability or old age.
If you have someone in this situation we recommend that you nominate them on a Registration of potential dependants NOM3 form (pdf).
If there is more than one adult dependent the trustees will decide how to distribute the pension.
We enhance your pension to your Normal Retirement Date. Your dependent will get a proportion of this enhanced pension: two-thirds of the final salary pension and one half of the CARE pension.