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Guides / United Kingdom

Death in service

Employer HR or pension trustee; death certificate and nomination forms

Some steps differ by region inside the country.

Where

The employer's HR department, and the pension or benefit scheme administrator they name.

How

Contact HR and ask specifically about death in service benefit, it is usually a multiple of salary. Ask whether it is paid through the pension scheme, which affects who decides and how it is taxed. Ask whether an expression of wish or nomination form is on file, and who it names. Provide details of all dependants, since trustees usually have discretion over who receives it.

What to bring

A certified copy of the death certificate Their employee or payroll number Details of all dependants Your ID and proof of relationship

Timing

Often 2 to 6 months, longer where trustees must weigh competing claims.

This is practical information, not legal, medical, or financial advice.

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