Different circumstances

Deferred pensioner - death before retirement

If you leave the Scheme with a deferred pension and die before Normal Retirement Date whilst entitled to a deferred pension, a pension equal to one half of your deferred pension at the date of your death will be paid to your surviving spouse or Dependant.

If no spouse or Dependant's pension is payable, a lump sum is payable equal in value to 50% of the value of your deferred pension revalued to the date of your death.

Death after retirement

If you die after retiring, leaving a spouse or Dependant, a pension of 2/3rds of your pension at the date of your death will be paid to your spouse or Dependant.

If you are under age 75 and die before five years’ pension instalments have been paid, a cash sum is payable.





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