What happens if I die before my pension starts and I'm an active member? (DB Schemes except SHPS and SHAPS)

If you die whilst you are member of the scheme and before you reach Normal Retirement Age the benefits payable are:

Lump sum

There may be a lump sum payable from the scheme, which usually consists of a refund of your contributions plus any interest, and a lump sum payable from any life cover that your employer may have chosen for you should you die in service. You can contact your employer to confirm the life cover being provided for you or you can give us a call and we can check this for you.

Survivors pension and children’s pensions

There may be a survivor’s pension which is usually based on a percentage of your benefits at the date you die. You should refer to your scheme’s member guide for details of any survivor’s pension payable. Some schemes also provide children’s pensions details of these can also be found in your member guide.

You should note that the payment of death benefits is at the discretion of the Trustee. To help them understand your wishes it is important that your nominees are kept up to date by updating your details in DB Online or completing and returning a Nomination Form.