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Benefits payable on deathWhether you die after you retire or whilst still working for theCompany, UUPS provides a range of benefits for your spouse,children and dependants.Glossary of termsSome of the words and phrases usedin this Guide have special meanings.These are highlighted and explainedat the back of this Guide.These include pensions and, in somecircumstances, cash lump sums. Detailsof the benefits payable are shown in thefollowing sections.Death in serviceHow your family is protectedThere will be a lump sum payment andpensions for your spouse and dependentchildren.How the lump sum is calculatedThe lump sum will be 4 x Final PensionableEarnings. This will be reduced, however, if youare a married man, and your PensionableService commenced before 1 April 1972,(unless you have paid additional contributions(see page 6) to eliminate this reduction).Who receives the lump sum?The Trustee decides who should receivethe lump sum but it takes into account yourwishes, as indicated on your Expression ofWish form, and your personal circumstancesat the time of your death. More informationis given on page 15.Under current tax rules, the lump sumpayment will normally be free of tax.How spouse’s and children’s pensionsare calculated• First 3 months after your deathSpouse’s pension equal to your FinalPensionable Earnings. If you have nospouse, then a sum equal in total to thespouse’s pension would be payable toyour child or children.• After first 3 monthsSpouse’s pension:1/2 x member’s Incapacity pension(reduced by excluding Pensionable Servicecompleted before 6 April 1988 if youare female)Child’s pension in addition to a spouse’spension:1/4 x member’s Incapacity pensionChild’s pension when no spouse’s pensionis payable:1/3 x member’s Incapacity pensionIf there are two or more dependent children,the total pension payable will be calculatedas if there were only two dependent childrenand shared amongst each of your dependentchildren in proportions decided by the Trustee.12 United Utilities Pension Scheme Members’ Guide