Death benefits

Death in service

Lump sum and spouse's pension

If you die whilst still working for the Company and you're a member of the Scheme, we'll make a lump sum payment of four times your pensionable salary. We decide who to pay these benefits to and will take into account, but not be bound by, your wishes given in your Nomination Form.  This payment is normally free of inheritance tax.  

The pension paid will be 1.9% of your final salary (at date of death) for each year and part year of pensionable servive, subject to a maximum of 4/9ths of your pensionable salary at the date of your death.

If you die whilst working for the Company and you're an active member of the Scheme at the time you die but you have already started to draw a pension from the Scheme, any death in service lump sum will be reduced by the amount of any lump sum payable if you die within five years of starting to draw your benefits.

Children’s and dependants’ pensions

Dependent children will receive a pension until they are 18 (or 23 if they’re in full-time education or training approved by the Trustee).

If you die while still working for the Company, and you have two or more dependent children, they will receive equal shares of a pension equal in total to 50% of your spouse’s or qualifying partner’s pension – as each child becomes ineligible the amount will be changed. If you only have one dependent child, he or she will receive 25% of that amount.

If there’s no pension payable to a spouse or qualifying partner, we can choose to pay the pension (otherwise payable to a spouse or qualifying partner) to another dependant, such as an elderly parent.

Where there’s no spouse or dependant (other than children) the child’s pension will be double all the amounts set out above.

Children’s, dependants’ and spouses’ pensions increase at the same level as normal retirement pensions.

Death in deferment 

If you die before drawing your ‘deferred pension’, a lump sum (five times your current annual deferred pension) will be payable. We'll bear in mind, but not be bound by, any nomination you’ve made stating who you’d like to receive this benefit. This usually means the recipient(s) of this sum will be free from paying inheritance tax on the lump sum.
 
If you die after leaving the Scheme but before drawing your pension, a spouse’s pension or a qualifying partner’s pension will be payable. Its value will be 40% of the preserved pension (in respect of pensionable service after 5 April 1997) that would have been payable to you at that date (adjusted to take account of inflation).

Children’s and dependants’ pensions

If you die after leaving the Company but before coming to draw your pension and you have two or more dependent children, they will receive equal shares of a pension equal in total to 33.33% of the preserved pension that would have been payable to you at that date (adjusted to take account of inflation) – as each child becomes ineligible the amount will be changed. If you only have one dependent child he or she will receive 16.66% of your pension.
 
If there’s no pension payable to a spouse or qualifying partner, we can choose to pay the pension (otherwise payable to a spouse or qualifying partner) to another dependant, such as an elderly parent.
 
Where there’s no spouse or dependant (other than children) the children’s pension will be double all the amounts set out above.
 
Children’s, dependants’ and spouses’ pensions increase at the same level as normal retirement pensions.

Nomination form

You should complete a nomination form for your DB Benefits to let the Trustee know how you’d like your death in service or deferment benefits to be distributed - click here for more information.

You will need to complete a separate form for any DC Benefit you hold, please see the DC Benefits information below.

DC Benefits

Please refer to the L&G Master Trust microsite, which confirms how your DC benefits are paid out in the event of your death: www.legalandgeneral.com/workplace/d/deutsche-telekom-uk/helpful-resources/document-library-page/

To complete a nomination form or to make any changes to your beneficiaries, you can complete a form online.  Please visit the L&G Master Trust microsite: www.legalandgeneral.com/workplace/d/deutsche-telekom-uk/helpful-resources/document-library-page/

Death in retirement 

If you die within five years of taking your pension

Whenever your pension starts, it is guaranteed for five years. This means if you die within five years of your pension starting (as long as you’re still under 75) a lump sum will be paid, subject to certain conditions. This lump sum will be equal to the balance of the remaining guaranteed pension instalments (disregarding any increases).

If you die after five years of taking your pension

Lump sum and spouse’s pensions

If you die in retirement and are married (or have a civil partner), your spouse will receive a pension (as long as you’re not separated or living apart when you die). If you’re not married or in a civil partnership but in a relationship which closely resembles marriage (and there’s financial dependency or interdependency) your partner will generally be entitled to the above – however, there may be differences, particularly if there’s also a spouse or civil partner with whom you’re not living with when you die. 
 
This pension will normally be calculated as 66.67% of your gross pension (ignoring any reduction in the amount of that pension because you have exchanged part of it for cash or dependant’s pension). However, this may vary depending on the difference between their age and yours. 

If you’ve retired due to ill-health, are receiving a pension from the Scheme, and die before you reach Normal Retirement Age, a lump sum payment will be made as if you had died in service, less an amount equal to the lump sum you received when you retired.

Children’s and dependants’ pensions

Dependent children will receive a pension until they are 18 (or 23 if they’re in full-time education or training approved by the Trustee).
 
If you die in retirement and you have two or more dependent children, they will receive equal shares of a pension equal in total to 50% of your spouse’s or qualifying partner’s pension – as each child becomes ineligible the amount will be changed. If you only have one dependent child, he or she will receive 25% of that amount.
 
If there’s no pension payable to a spouse or qualifying partner, we can choose to pay the pension (otherwise payable to the spouse or qualifying partner) to another dependant, such as an elderly parent.
 
Where there’s no spouse or dependant (other than children) the child’s pension will be double all the amounts set out above.
 
Children’s, dependants’ and spouses’ pensions increase at the same level as normal retirement pensions.

Nomination form

You should complete a nomination form to let the Trustee know how you’d like your death in service or deferment benefits to be distributed - click here for more information.

Disclaimer

No information contained in this site alters any member’s benefits or entitlement under the Scheme's trust deed and rules, which can be amended from time to time. In the event of there being any difference between the information set out on this site and the provisions of the Scheme’s current trust deed and rules, the latter will prevail.

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For queries about your DB Section benefits
contact the T-Mobile International UK Pensions Team on:
Tel: 0333 11 11 222
Email: [email protected]

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