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Benefits payable on death(continued)Glossary of termsSome of the words and phrases usedin this Guide have special meanings.These are highlighted and explainedat the back of this Guide.Who is paid spouse’s and children’spensions?The same conditions apply as for death inservice (see page 13).When a lump sum is payable and howmuch it will be• If you had less than 10 years’ PensionableService at retirement and die within fiveyears of retirement, the balance of the firstfive years’ pension instalments will bepayable as a lump sum.(i) your Final Pensionable Earnings, and(ii) 3/80 x Pensionable Service xFinal Pensionable Earningsless (in each case) all lump sum and pensionpayments made to you since retirement, andless a further deduction if you were a marriedman and had Pensionable Service before1 April 1972.The Trustee will decide who will receive themoney in the same way as lump sums fordeath in service (see page 12).• If you had 10 or more years’ PensionableService at retirement, the lump sumpayable will equal the greater of:14 United Utilities Pension Scheme Members’ Guide