After you die

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Death in service

If you die in service, the lump sum payable is:

  • four times your pensionable pay, plus
  • the actual amount of the Cash Balance benefit you’ve built up (i.e. not reduced for early payment).

Additionally, if you leave a spouse, civil partner, child or other dependant, a further two times your pensionable pay is payable.

You can tell us who you would like to be considered to receive these benefits if they were to become payable - please fill in a form saying who should get these. We will consider your wishes but we are not bound by them as payment is at the Trustee’s discretion.

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Death in deferment

If you die after you after you stopped paying into the RMPP (due to leaving employment or opting out), but before taking benefits, the lump sum payable is the actual amount of the Cash Balance benefit you’ve built up (i.e. not reduced for early payment).

Please fill in a form saying who should get this lump sum.

Documents


Financial support for the people closest to you

You can nominate somebody to receive some benefits from the RMPP when you die.  They could be eligible for a lump sum whether you die in service or after you have left work (but not taken your benefits).