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Got a pension question? Our help is impartial and free to use. Get in touch online or over the phone on Benefits if you have children Entitlements to help with the cost of pregnancy or bringing up children. Benefits if you're sick, disabled or a carer Understand what support is available for coping with ill health. Benefits in later life You may be entitled for help with other costs on top of your State Pension. Problems with benefits What to do if something goes wrong with your benefits.
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Money troubles. Calculator Pension calculator. If you reached State Pension age after 6 April and will receive the new State Pension, your spouse or civil partner may be able to inherit an extra payment on top of your pension. If you have a PensionBee pension, you can simply go to your profile section in your online BeeHive to add or update your beneficiaries.
As always with investments, your capital is at risk. The value of your investment can go down as well as up, and you may get back less than you invest. This information should not be regarded as financial advice. Get started now. Have a question? Call our UK team Pensions explained Pension rules. Pension basics Introduction to pensions What is a pension?
What is a pension fund? How do pensions work? Pension tax relief and the tapered annual allowance for high earners Pension glossary Special pension benefits glossary Choosing a pension How to choose a pension What is the best private pension?
What's the best pension for the self-employed? Pension planning How do I check my pension? What is a good pension pot? What is a pension calculator? Where can I find pension advice? Should I pay into a pension or an ISA? Pension costs What are pension charges? Pension management charges Pension paperwork How to certify a document Where to find your National Insurance number What is a pension statement? How to read a fund factsheet. Pension types Defined benefit and defined contribution What is a defined contribution pension?
What is a defined benefit pension? Personal and private pensions What is a private pension? What is a personal pension? What is a responsible investment fund? Workplace pensions What is a workplace pension?
What is a stakeholder pension? What is a public sector pension? What is an AVC pension? What is a SSAS pension? What is a salary sacrifice pension? What pension can I get if I'm self-employed? What is Auto Enrolment? Drawdown and annuities Should I drawdown or buy an annuity?
For example, some plans may pay out a single lump sum, while others will issue payments over a set period of time such as five or 10 years , or an annuity with monthly lifetime payments. If you were to die before you retire, your surviving spouse or other named beneficiary must contact your employer or the plan's administrator to make a claim on any available benefits.
At that time, the plan administrator will generally request a copy of the death certificate. Depending on the type of plan, your surviving spouse or other named beneficiary will be notified as to:.
If you die after you have already started drawing your pension, the amount your beneficiaries receive will be based on how much you have drawn from pension.
If there is cash remaining, your beneficiaries may be able to withdraw a lump sum or access regular payments, depending on specifics on your pension contract. As a part of your retirement planning, don't forget to make sure you have named a beneficiary to your pension plan.
To learn more about pensions and defined benefit plans , visit the Protective Life Learning Center. All Learning Center articles are general summaries that can be used when considering your financial future at various life stages.
The information presented is for educational purposes and is meant to supplement other information specific to your situation. It is not intended as investment advice and does not necessarily represent the opinion of Protective Life or its subsidiaries.
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