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Is your 'Expression of Wish' form up to date?

A recent report suggests that as many as 750,000 people in the UK may risk leaving pension benefits to an ex-partner simply because they have not kept their scheme’s trustee up to date regarding changes in their circumstances.

Under the BT Pension Scheme Rules, the Trustee has complete discretion when deciding who receives any lump sum from the Scheme following your death. An ‘Expression of Wish’ form allows you to tell the Trustee your wishes with regard to whom or where you would like any lump sum benefits to be paid following your death. The Trustee can consider a range of beneficiaries, including:

  • Your widow(er) or civil partner, children, grandchildren, parents, grandparents and their descendants;
  • Anyone you were helping to support financially prior to your death;
  • The executors or administrators of your estate or any beneficiaries from your will or, if you leave no will, any beneficiaries under the rules relating to intestate estates; or
  • Any individual(s) — or charities registered with the Charity Commission, or any society or club — nominated by you.

To update the Trustee, regarding your wishes, simply go to the Scheme website and download an ‘Expression of Wish’ form from the ‘Useful documents’ section. Once completed return it to the administration team. You can find their address here. You can also update the Trustee with your wishes digitally, simply log in to the Pension Portal and go to the ‘My details’ section.

Please refer to the ‘Benefits’ section of the website for more details of the benefits that may be payable in the event of your death.

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