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If you joined Lloyds Banking Group after 1 July 2010, you’ll have been automatically enrolled in Your Tomorrow.

If you’re still unsure, or if you’re a dependant or representative who needs to get in touch, contact WTW (the scheme administrator) at 01737 227 522.

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When someone dies

If someone close to you dies, it can place a variety of practical and financial demands on you. There are a range of people that can help support you following a death, including your GP, community groups and charities.

Obtain a Medical Certificate of cause of death
This is needed to register the death and a certificate is provided by the doctor who certified it.

Register the death with your local registry office
This is required within five days of the death in England, Wales and Northern Ireland and within eight days in Scotland. The registrar will give you the documents you need to organise the funeral, including a death certificate. If the death is unexpected and has to be referred to a coroner, this process may take longer.

Arrange the funeral
You can either use a funeral director or arrange the funeral yourself. Check whether the person left a will giving any instructions about their funeral, and whether they made financial provision (e.g. through a funeral plan or life insurance policy).

The National Association of Funeral Directors can help you find a funeral director.

Who to inform
You’ll want to inform those who knew the person about the death. In addition, the government and other organisations, such as financial and utility companies, may need notifying. See the Who to inform check list for more information.

Reducing risk of identity fraud and unwanted mail
Deceased Identity Protection is a service that collates details of deceased individuals and shares them with organisations including credit reference agencies and financial institutions. Information shared is then used to check new credit applications and existing accounts to detect and prevent fraudulent activity.

In addition, it can help reduce the number of unsolicited mailings addressed to the deceased person. It will not apply to official communications such as bank statements, bills, etc.

You can register for this service on the Deceased Identity Protection website.

Tell the government
Tell us once is a way to notify a number of government organisations about a death in one go. You can use the service face-to-face, online or by telephone.

Advise the pension scheme administrator:

It's important to notify the pension scheme administrator as soon as possible if someone in receipt of a Lloyds Banking Group pension has died. The following steps outline what should happen. Although this only applies to members of a Lloyds Banking Group pension scheme, a similar process is likely to be followed by other pension schemes.

  1. Contact the Scheme administrator.
    See Contacts for details.
  2. Forms and certificates
    Within three days of being notified, the Scheme administrator will write to the next of kin and send the relevant form. This should be completed and returned with the information and documents requested.
  3. Calculating benefits
    The Scheme administrator will collate the information, including any nominations that have been made, and calculate any benefits due.
  4. Lump sum approval
    The Trustee must approve the payment of any lump sum benefit that may be due. Occasionally the Trustee may request further information, but this should not delay payment of the spouse’s pension.
  5. Confirmation of benefits
    The spouse/dependant will receive confirmation of any benefits due to be paid within three days of all the required information being received.

Bereavement benefits

If your spouse or civil partner has died, you may be eligible for:

  • Bereavement Payment - A one-off tax-free payment for people under State Pension age (SPA) whose spouse or civil partner has died and paid National Insurance contributions (or if their death was caused by their work).
  • Bereavement Allowance - An allowance paid for up to 52 weeks from the death of a spouse or civil partner for those aged between 45 and State Pension age.
  • Widowed Parent's Allowance - An allowance for those widowed below SPA who have at least one dependent child, or are pregnant.
  • Funeral payment - If you're on a low income and need to pay for a funeral, you may be eligible for a funeral payment. Any money you received is usually claimed back from the deceased person’s estate.

Support during bereavement

There are services available to support you during a bereavement. Cruse Bereavement Care provides a telephone helpline and face-to-face support from trained volunteers. If you live in Scotland, you can contact Cruse Scotland.

If you think you may be eligible for a bereavement payment or allowance, you can contact the Department for Work and Pensions (DWP) Bereavement Service for more information.

0345 606 0265

Death and bereavement has lots of useful information which may help you following the death of a loved one.

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