Test Form

A children’s pension may be payable on your death. The terms ‘children pension’ and ‘child’ can cover a number of other possible dependants as well as your own children – see below for more information.

Where your Scheme membership extends beyond 31st March 2008 a pension may be paid if the child is dependent on you, both at retirement and on your death, and they are:

•Under age 23, or

•Aged 23 or over and incapable of earning a living due to a permanent physical or mental infirmity which he/she was suffering at the time of your death

Where your Scheme membership ended before 1st April 2008 a pension may be paid if the child is dependent on you, both at retirement and on your death, and they are:

•Under age 17, or

•Aged 17 or over but still in full time education or training and have been so continuously since the age of 17until they reach a maximum age of 23, or

•Aged 23 or over and incapable of earning a living due to a permanent physical or mental infirmity which he/she was suffering at the time of your death.

“Child” can include:

•Biological children;

•Children of your civil partner or nominated qualifying partner;

•Step children and adopted children;

•A brother, sister, nephew or niece of you, your spouse, civil partner or nominated qualifying partner;

•A grandchild;

•A half-brother, half-sister, step brother or step sister of you, your spouse, civil partner or nominated qualifying partner

•Children born before and within 12 months of the date you left the scheme with deferred benefits

6.3 2008 Section

If your Scheme membership extends beyond 31 March 2008, you have the option to increase your lump sum by converting some of your pension. Pension is converted to lump sum at the rate of £12 additional lump sum for every £1 of pension given up. You can find a calculator tool to help you model the amount of additional lump sum you can claim on our calculators section of the website. Claiming a bigger lump sum does not affect the level of adult dependant's pension or children's pension payable. You must indicate whether or not you want an additional lump sum by ticking the appropriate box. If you want an additional lump sum then select either:

• A. the maximum lump sum, which may incur a tax charge; or

• B. enter an additional lump sum in whole £s in multiples of £12, which together with your standard lump sum is less than the permitted maximum lump sum.

6.4 2015 Section

There is no basic lump sum entitlement but you do have the option of receiving a retirement lump sum by giving up part of your pension. You will receive £12 of lump sum for every £1 of pension given up. You can find a calculator tool to help you model the amount of lump sum you can claim on the calculators section of our website. Claiming a lump sum does not affect the level of adult dependent’s pension or children’s pension payable. You must indicate whether or not you want a lump sum by ticking the appropriate box. If you want a lump sum then select either:

• A. the maximum lump sum, which may incur a tax charge; or

• B. enter a lump sum in whole £s in multiples of £12 which, is less than the permitted maximum lump sum.