Mirror Image Section - About United Utilities

If you are a married woman, then themember’s Incapacity pension is reducedby excluding any Pensionable Servicecompleted before 17 May 1990, whencalculating the child’s pension.Who is paid spouse’s and children’spensions?A legal widow or widower is entitled to apension payable for life. Dependent childrenwill also be entitled to a pension until age 18.If they are still in full-time education, vocationaltraining or are financially dependent on youbecause of physical or mental disability, theirpensions will continue to be paid to age 21 oreven beyond that age if the Trustee agrees.Where there is no spouse, the Trustee may,at its discretion, pay a pension to anotherdependant.Death after retirementHow your family is protectedA spouse’s pension is automatically payable,plus pensions for any dependent children.There will also be a lump sum payment if youhad been receiving your pension for less thanfive years.How much your spouse and childrenreceive• First 3 months after your deathSpouse’s pension:equal to your pension.If you have no spouse, then a sum equal intotal to the spouse’s pension would bepayable to your child or children.• After 3 monthsSpouse’s pension:1/2 x member’s pension (reduced byexcluding Pensionable Service completedbefore 6 April 1988 if you are female).Child’s pension:Calculated in the same way as for death inservice but will be based on your pension.If you get married after the date of yourretirement then the spouse’s pensiondescribed above will be calculated taking intoaccount only Pensionable Service after5 April 1978 (if you are male) or 5 April 1988(if you are female), and excluding anyenhancement to Pensionable Serviceawarded on retirement because of Incapacity.United Utilities Pension Scheme Members’ Guide 13