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In this section

Welcome to the area of the website for pensioners who are members of the Britag Section of the Fund

As a pensioner, you are currently receiving a pension from the ICI Pension Fund (the Fund).

Finding out more about your full range of benefits

Further information on your pension benefits is available in your Members’ handbook. Like most other specialist areas, at times the world of pensions uses technical terminology that can sound like jargon and although we’ve tried to keep this to a minimum, sometimes it’s simply unavoidable. We’ve also produced a jargon buster which defines some of the industry specific terms you’ll find in some places of your handbook.

Please note that the handbook is a summary of the benefits provided under the Fund and does not detail every member’s individual benefits, which will depend on the member’s circumstances and may therefore differ from those set out in the handbook. The Trustee must pay member benefits in line with the Fund’s Trust Deed and Rules, which will prevail in the event of any difference between the handbook and the Trust Deed and Rules.

This handbook is available as a reference document. Please contact the Fund Administrator, Willis Towers Watson, if you have a specific question about Fund benefits.

Pensioner Frequently Asked Questions

This leaflet will help you find answers to questions you may have once you start receiving your pension.

Keeping us up to date

Keeping us up to date with any changes to your personal circumstances helps us pay you and your dependants the right benefits. It also means that should anything happen to you, your wishes are understood by the Trustee.

You should contact us if you:

  • if you notice that any of your personal details are incorrect – contact ICI Pensions Services
  • change your name – complete the Change of personal details form and provide relevant official documentation supporting your change of name (e.g. original marriage certificate, certificate of civil partnership or deed poll documentation – these will be returned to you by special delivery).
  • change your address – complete the Change of personal details form
  • change your marital or civil partnership status – complete the Change of personal details form and provide your original marriage certificate, certificate of civil partnership or decree absolute (this will be returned to you by special delivery). Your marital status will only be changed once ICI Pensions Services see an original copy of your certificate.
  • haven’t yet provided details of your dependant children – complete the Change of personal details form
  • would like someone to be considered for a dependant’s pension benefit in the event of your death – complete a Britag and Holden Sections Nominated Dependant’s pension – Nomination form
  • would like someone to be considered for any lump-sum benefits in the event of your death, or to change your current nomination – complete the Expression of wish form

What happens to your pension if your marriage or civil partnership dissolves?

If you are a member whose marriage or civil partnership is being dissolved, your pension settlements and entitlements are generally handled through the courts. The following steps normally happen in relation to your pension:

  1. You should ask ICI Pensions Services for a transfer value, which shows what benefits you’re entitled to from the Fund at that point. You can provide this transfer value to the court.
  2. The court will determine the proportion of pension benefits, if any, that will be awarded to your ex-spouse or ex-civil partner. This is detailed in a Court Order.

Note: the Trustee cannot take into account any interim or informal financial arrangements in respect of your pension benefits that are not detailed in a Court Order.

  1. You should send the Court Order to ICI Pensions Services.
  2. ICI Pensions Services will act upon the Court Order instruction and liaise with your ex-spouse or ex-civil partner about their proportion of the benefits.
  3. ICI Pensions Services will then provide you with details of your new entitlement from the Fund.

Note: there are administration charges for carrying out this process – ask for a copy of charges from ICI Pensions Services.

Benefits payable on your death

Planning for what happens to your pension benefits in the event of your death is not something many of us like to think about. However, you should think about the benefits payable so that your wishes can be carried out.
If you die while you are a pensioner, the benefits that may be payable can include:

  • A spouse’s or civil partner’s pension; and
  • in some instances, children’s pensions.

Points to note about benefits that may be payable on the death of a member:

Under the rules of the Fund, your partner's rights are much more certain if you are married or in a civil partnership rather than single and in a long-term relationship. Dependant children will be considered for a pension on your death.

An unmarried partner of a member also has to prove that they were financially dependent on the member to a substantial extent. Consequently, a partner could potentially find themselves unable to claim a dependant’s pension, or able only to claim a reduced amount.

The same rules apply to any other family member who, in the absence of a spouse, might be nominated by the member to receive a dependant’s pension.

Where there is no spouse or dependant children, the Trustee will refer to the information provided on any completed Britag & Holden Sections Nominated Dependant’s pension Nomination form.

Note: Benefits payable on your death can vary and there may be other circumstances where the benefits that your spouse/dependant/beneficiary receives are different to those described above.

If you are a relative or a representative of a deceased member, please click here for more information