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From the moment you join the Scheme you have the cover of valuable lump sum life cover, and pensions for dependants too, as this section explains...
If you die before you retire, we will pay out a lump sum equal to three years’ final pay, and you have this cover from the moment you join. Please note, we can only pay the lump sum if you die before your 75th birthday.
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 If you are part time
We have the final discretion to decide who to pay, but we will always take your wishes into account. You can let us know your wishes by filling in a lump sum nomination form. If you would like one, please ask your employer or click on the link below.
Download the lump sum nomination form
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If you don’t nominate (or we cannot follow your wishes) we will normally pay the lump sum to your estate.
As well as the lump sum life cover described here, if you also leave dependants, there are benefits for them as well.
More about dependants’ pensions
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If you are part time
