In the event of a member’s death The loss of a loved one can be a very
Complete your Expression of Wish An Expression of Wish tells the Trustee who you’d choose to receive your Scheme benefits in the event of your death. We refer to these chosen individuals as beneficiaries. What you write on the form is a key influence for the Trustee, who will use this information to make a decision about these payments. If you are unmarried and die without a completed Expression of Wish, the Trustee may consider paying a ‘discretionary’ benefit to a partner, where this is permitted under the Scheme’s rules, but to do this the Trustee is obliged to ask for a lot of information at what can be a very sensitive time. The Trustee will have to ask for details of your partner’s financial position and evidence of shared income and expenses etc, so that it can properly assess whether that person is entitled to any benefit. All members can now update their Expression of Wish via the member portal at www.buckhrsolutions.co.uk/utc
distressing time, particularly if it’s unclear what needs to happen in respect of their benefits. We thought it would be useful to outline the process in three simple steps: 1) The Scheme administrator, Gallagher, will need to be informed that a member has passed away – their details can be found on the back page. They will ask for the contact details of the member’s next of kin or executor and will record the death to stop any future pension payments. Any overpaid pension will need to be recovered from the member’s estate, so it’s important you get in contact as soon as possible. supporting documents such as the birth or marriage certificates of any dependant who is, or may be, eligible for death benefits (e.g. a spouse). They will also make the request for any overpaid pension to be returned if it hasn’t been already. All original certificates 2) Gallagher will ask for a copy of the member’s death certificate, plus any will be returned as quickly as possible. 3) Once Gallagher has processed the information, they will arrange for any benefits that are due to dependants or beneficiaries to be paid.
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