Overview – benefits when you die

Overview – benefits when you die

In this section, we cover the benefits that may be payable after you die. Different benefits are payable, depending on your personal circumstances, whether you’ve taken your pension benefits or not, and which section of the Plan you belong to.

Please note some of the benefits we’ve described may be different if you continued to be employed by the Company after the Plan closed to future accrual on 31 October 2024.

Additionally, if you left the Plan before 17 May 1990, the amount of pension payable to your surviving spouse or civil partner may be different. If this affects you, and you would like to know more, please get in touch with Trafalgar House.

The benefits could take the form of:

• A pension to one or more of your loved-ones
• A one-off cash sum
• Both

While the actual level of benefits paid are defined in the Plan rules, who receives these benefits is normally a matter for the Trustee to decide. The Trustee will always want to take your wishes into account when deciding who should receive any benefits payable.

To keep the Trustee informed of your wishes, please go to the ‘nominated beneficiaries’ section of your My Work Pension account. You will find this under the ‘Your account’ menu. Alternatively, please get in touch with the Plan’s administrator, Trafalgar House, and they will be able to send you a form.

Important: Here, we provide you with an outline of the standard benefits provided by the Plan. In certain circumstances, your benefit entitlement may be different. For example, if you left service before 30 October 2019 or joined the Plan by transferring into it, terms may apply to you which are different from those set out here.

If there is any conflict between the content of this website and the Rules, as amended, the version of the Rules applicable to you will take precedence.

For more information, please go to the ‘About the Plan’ page and click on ‘Disclaimer’.