When you die, there might be a pension due to your dependents (called a dependant’s pension). Your dependant is someone who you are permanently sharing your home and finances with, or your spouse/civil partner. This dependant’s pension will usually be half of your pension and assumes you hadn’t taken some as tax-free cash. The pension your dependant could get will have the same annual increases as you get in retirement.

Pensions may also be paid for your children while they’re under 18, or in full-time education up to age 23 (this will be reviewed each year). The total amount payable to all eligible children is a maximum of 50% of your pension (if you have fewer than three children, then this amount would be lower).

The Pension Management Committee may decide to pay less than the full pension if your dependant is more than 20 years younger than you and may stop the pension if your dependant starts to share their home and finances with, or marries, someone else. They may also decide to pay less than this if you married your dependant within six months before the date of your death and after you left the Partnership.