Benefits if you die

In most cases this will be three times your salary at the time of your death.

The beneficiary or beneficiaries are at the complete discretion of the trustees. This means that the payment will be tax free.

We strongly recommend that you complete nomination form NOM1 (pdf) to give the name(s) of those who you would like to receive the money. You can nominate more than one person if you like. This form will help the trustees make their decision. You should update this form if your circumstances change.

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.

The following are automatically entitled to receive a child allowance:

• all of your children who are under age 18; or
• any other dependent children under age 18 who are treated as a child of your family.

Older children may receive a child allowance at the trustees’ discretion if they:

• are under age 23 and in full-time education; or
• are unable to earn their own living at any age due to disability.

If you have a child in this situation we recommend that you nominate them on a Registration of potential dependants NOM3 form (pdf).

We enhance your pension to your Normal Retirement Date. Your child/children will get a proportion of this enhanced pension. The amount each child receives depends on the number of children and whether or not there is also an adult dependent.