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In this section

Welcome to the area of the website for family, dependants and potential claimants

This section is for relatives or dependants of a former member (or an individual who may be financially reliant on a former member) who has passed away. You may like to know more about the benefits that could be payable and what you should do next.

If, after reading the information on this page, you have a question, please contact ICI Pensions Services.

Keeping us up to date

Please let us know if a Fund member has passed away, as it helps us pay the right benefits to the right people, at the right time and avoids the Fund having to reclaim any overpayments of benefits.

You should contact us if:

Who is entitled to a pension on the death of a member?

Your entitlement to a pension will depend on your relationship to the member and other criteria.

Spouse or civil partner

If you have been married or in a civil partnership with the member you will usually be entitled to a pension, based on their pension entitlement. The amount payable to you on the death of a member may be affected if:

  • you were more than 15 years younger than the member;
  • you married or entered into a civil partnership with the member, while they were receiving a pension, less than six months before his/her death; or
  • you married or entered into a civil partnership with the member, while they were receiving a pension, and you are more than 10 years younger than him/her.

Any pension provided by the Fund is at the discretion of the Trustee.

Checklist of documents
If you are a spouse/civil partner entitled to receive a pension from the Fund, you must send the following documents to ICI Pensions Services so the team can consider your claim:

  • the original of the member’s death certificate;
  • your birth certificate;
  • your marriage certificate or certificate of civil partnership;
  • a completed Bank details form to let us know which bank or building society account you would like pension payments to be made to; and
  • a completed Declaration of continued marriage/civil partnership to confirm that you were legally married to, or in a civil partnership with, the deceased member at the time of their death.

Dependant children

If you are a dependant child of a member, pension benefits may be payable subject to certain criteria.

If you are a guardian or trustee of a dependant child who may be entitled to benefits, please contact ICI Pensions Services.

Checklist of documents
If you are applying for a dependant child’s pension, you, or your representative, must send the following documents to ICI Pensions Services so the team can consider your claim:

  • the original of the member’s death certificate;
  • the dependant child’s/children’s birth certificate; and
  • a completed Bank details form to let us know which bank or building society account you would like pension payments to be made into.

Partner who was unmarried and not in a civil partnership

If you were the partner of, but not married to, or in a civil partnership with, a member, you may still be considered for a nominated dependant’s benefit if you were financially dependent on the member at the time of their death. However, this is not payable automatically.

You will have to apply for a pension benefit and show that you meet all the relevant criteria.

A number of eligibility rules apply, so there is no guarantee that you will receive a pension. Where a pension is awarded, you may not receive the same level of pension as a spouse or civil partner.

Please complete a Nominated Dependant’s pension – Application form if you would like to be considered for a dependant’s pension.

Who is entitled to a lump-sum benefit on the death of a member?

Lump-sum death benefits may also be payable in addition to a pension. These vary depending on whether the member was active or deferred (note that there is no lump-sum benefit paid on the death of a pensioner).

On the death of an active member, a lump-sum benefit based on four times their pensionable pay will often be payable. This will be paid to their dependants or estate at the discretion of the Trustee, who will consider the information on the member’s Expression of wish form, but is not bound by it.

On the death of a deferred member, if no dependant’s pension is payable, in most cases their contributions will be refunded as a lump sum.

The Trustee can pay any lump-sum benefit to one or more beneficiaries. There are a number of types of beneficiaries who could be considered, e.g. spouse, civil partner, dependant children, most relations and/or other people who were financially dependent on the member. The Trustee will also consider anyone whom the member has requested to be a beneficiary in their Expression of wish form, but is not bound by it.