After your death, there is provision for payment of a pension to your dependant and children. There is also an additional lump sum if you die within five years of retiring.

Your dependant will receive a pension of up to two-thirds of the pension you are receiving. The dependant’s pension is payable from the day after your death and is paid throughout the dependant’s life.

The child’s pension is one quarter of the dependant’s pension for each child for up to four children. If you leave more than four children, the dependant's pension will be divided between the number of eligible children.

If you die within five years of retirement, the lump sum will be calculated using your pension at the time you die and the balance of a five-year period from your retirement.

If you joined the Scheme on or after 1 September 1986, the lump sum is held under discretionary trusts for distribution by the NGE Group Trustee to their spouse, civil partner, children, relatives or other nominated beneficiaries.

If you joined before that date, you must sign a Notice of Direction that these discretionary trusts should apply, or the money will be paid to your estate. Lump sums paid under discretionary trusts are not counted as part of your estate for inheritance tax or probate purposes so can be paid quickly and tax efficiently.

In order to assist the NGE Group Trustee, you are encouraged to complete an expression of wish form (available in the library below). In the event of your death, the NGE Group Trustee will normally distribute the lump sum in accordance with your wishes. However, the NGE Group Trustee is not legally bound to pay the lump sum to a nominated beneficiary and will take account of your circumstances at the time. It is important, therefore, that you keep your expression of wish up to date.

If you die five or more years after retirement, no lump sum is payable.

If you retired early and were granted an ill-health pension, you can find more information here.


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