If you die after you've retired, your dependants may receive some benefits. Whether they are eligible, and the benefits they receive, will depend on several factors and may vary from member to member. But these benefits could include:

• a lump sum
• a spouse’s pension OR a dependant’s pension
• children’s pensions

Because Nestlé UK Pension Fund pensioners will have built up pension benefits in lots of different ways, there are differences in what benefits your loved ones may receive (particularly if you built up benefits before 6 August 2010). To find out more about what your loved ones may receive after you die, please refer to any documents that we have previously sent you or contact Nestlé Pensions.

Lump sum

If you die within five years of starting to take your pension, a lump sum will usually be paid to your loved ones.

The total amount that they might receive will be the equivalent remainder of the next five years’ pension payments (ignoring any future increases that would have been paid in that period).

You should complete a Nomination Form to let us know who you’d like to receive this benefit. While we do our best to take your wishes into account, the Trustees have ‘discretion’ (the final say) when it comes to who should receive any payment. To help ensure that your wishes are met, please make sure that your Nomination Form is kept up to date.

Spouse's pension

If you are married or in a civil partnership when you die, your spouse or civil partner will usually receive a pension based on a percentage of your DB pension. You don’t need to complete a Nomination Form to make your legal spouse of civil partner eligible for this pension but, if you are separated when you die, they may not automatically be eligible for it. In some circumstances this pension may be reduced (for example, if your spouse or civil partner is more than ten and half years younger than you – as it’s likely that your spouse’s pension will need to be paid for longer in this instance). To find out more about what your spouse might be entitled to after you die, please refer to any documents that we have previously sent you or contact Nestlé Pensions.

Dependant's pension

If you are not married or in a civil partnership when you die, or you have been separated for at least two years, the Trustees have ‘discretion’ (the final say) to pay a pension based on a percentage of your DB pension to a dependant. However, they cannot do this unless you have completed a Dependant's Pension Nomination Form. In some circumstances this pension may be reduced (for example, if your dependant is more than ten and half years younger than you – as it’s likely that your dependant’s pension will need to be paid for longer in this instance). To find out more about what your dependant might be entitled to after you die, please refer to any documents that we have previously sent you or contact Nestlé Pensions.

To find out more about what your loved ones might be entitled to after you die, please contact Nestlé Pensions.

If you have no spouse, civil partner, nominated dependant or other financial dependant when you die, no dependant’s pension will be paid.

Children's pension

If you have dependent children, they will receive a percentage of your pension at retirement. As with any other benefits, what they receive will depend on various factors and vary from member to member but, in most cases, children’s pensions are only paid to dependent children aged up to 18 (or up to 23 if in full-time education). The Trustees have the discretion to pay pensions to stepchildren and foster children. If you have no dependent children at the time of your death, no dependent children’s pension(s) will be paid.

To find out more about what your dependent children might receive after you die, please contact Nestlé Pensions.

To find out more about what your loved ones may receive after you die, please refer to any documents that we have previously sent you or contact Nestlé Pensions.