You can nominate somebody to receive some benefits from the RMPP when you die. They could be eligible for a lump sum and/or a pension, depending on whether you die in service, after you have left work (but not taken your pension), or in retirement.
It’s important that you tell us who you would like to get any benefits when you die. You can do this by filling in a nomination of beneficiary form which you’ll find at the bottom of this page.
If you need to tell us about the death of someone who was a member of the RMPP, please contact the Pensions Service Centre – their contact details can be found below.
A Deferred member is someone who isn’t paying in to the RMPP any more, isn’t building up future benefits and isn’t yet taking any of their pension; sometimes known as a ‘Preserved member’. If you die as a Deferred member, the following benefits will be paid – part from the RMPP and part from the RMSPS.
A lump sum. This will be the higher of:
If you chose to pay the additional 0.2% contribution until 31 March 1999, the death benefit above will be compared to the following:
If this results in a higher amount, then this is what will be paid.
Irrespective of which of the above calculations results in the higher amount, the actual value of your Cash Balance fund (i.e. not reduced for early payment) is payable.
Please note: if you were part-time, your pensionable pay for this purpose will not be uprated to the full-time equivalent.
A pension. This will be paid to your spouse or civil partner, and will be up to half the Age60 and Age65 benefits that you would have received when you became a deferred member, had you reached age 60 (for Age60 benefits) and age 65 (for Age65 benefits). There may be children’s pensions payable as well, usually until they turn 18.
If you are a Section B member and not married or in a civil partnership, a pension may be payable to someone who is financially dependent on you (such as a partner you live with).
It is very important that you tell us who you would like to get any benefits when you die. There are different forms for you to fill in – these are to be found at the bottom of this page.
If you’re already taking some of your benefits when you die, different amounts will be paid.
If you die after you’ve started taking all your benefits, your spouse or civil partner will get a pension. If you’re not married or in a civil partnership, you can nominate someone who is financially dependent on you to receive the pension. And if you die within five years of starting to take your benefits, a lump sum is paid too.
It’s very important that you confirm who you would like to get any benefits when you die. There are different forms for you to fill in – these are to be found at the bottom of this page.
If you’re only taking some of your benefits when you die, different amounts will be paid.
If you don’t know which section you’re in, contact the Helpline (contact details are at the bottom of the page); or If you recieve an Annual Benefit Illustration the section is noted on the front page.