What happens when I die?

What to do when someone dies

1. Notify the Scheme Administrator

   The first thing to do is let the Scheme Administrator know as soon as possible. This way they can begin the process and provide guidance to dependants as soon as possible.

   For more information on what you need to provide to the Scheme Administrator, visit their Bereavement page, and watch their helpful video and download their bereavement guide.

2. Confirm beneficiaries

   Once the Scheme Administrator has been notified, they will identify eligible dependants. This ensures that benefits are paid to the right people, in line with the Scheme rules. Keeping your Expression of Wish and Nomination Forms up to date makes this process smoother.

3. Benefits calculated

   The Scheme Administrator will calculate the benefits due to any dependants, based on the Scheme rules. This includes lump sums, pensions for spouses, partners or someone else who depended on you, and children’s allowances.

   This step ensures everyone receives what they are entitled to.

4. Trustee approval (if required)

   If a lump sum death benefit is payable, the Trustees will decide who should receive it. They will carefully consider the people you have named in your Expression of Wish form, helping them understand your preferences when making their decision. In some circumstances, pensions payable to non-married partners or adult dependants may also require approval by the Trustees.

5. Payment of benefits

   Once the approvals are complete, payments are arranged by the Administrator. Lump sums are usually paid as a one-off payment, while pensions for spouses, partners, dependants and eligible children are set up as monthly payments.