You can ask the Scheme Trustee to pay the money to your dependants by filling in an expression of wish form, naming the people you want to get the money.
Keeping your form up-to-date
It’s a good idea to update your form even if your wishes haven’t changed. The more up-to-date your form is, the more the Scheme Trustee can rely on it as a reflection of your wishes. Every three years is a good rule of thumb.
The Scheme Trustee has the final say over who gets your pension savings. This means they can be paid without inheritance tax. The Trustee doesn’t have to follow your wishes, but it usually will unless there’s a good reason not to.
Once you’ve filled your form in, post it back to us at: NOW: Pensions, Maclaren House, Talbot Road, Stretford, Manchester, M32 0FP
Or, scan your form and email it to: firstname.lastname@example.org
It will replace any old forms you’ve sent in before.