14 June 2017Armed Forces Pensions - Nomination Form for Death Benefits

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This is a really, really important item for all those on the AFPS 05 or AFPS 15 schemes. It does not affect those with AFPS 75 entitlements.

In August 2016 Mr H, a serving soldier, got married. Two months later, he was killed in a car accident. Between getting married and his death Mr H had changed his Will in favour of his wife and, he thought, done everything necessary to look after her in the event of his death.  However, he had not altered the Nomination of Death Benefit form he had filled in before deployment to Iraq 3 years previously, long before his marriage. The result was that someone else, not his wife, was eligible to receive his death in service lump sum. MOD stated that it had no discretion in this matter and had to pay out to the nominee.

So if you are serving, with AFPS 05 or 15 entitlements or if you are retired and have AFPS05 or 15 preserved /deferred pension entitlements, you should check your Nomination Form if you have filled one in, to ensure it reflects your current wishes, either by changing it or revoking it completely.  Otherwise the lump sum might go to the wrong person, because the form never, ever lapses, except on divorce.

If you need help doing this, your unit admin staff can advise. Alternatively, the Forces Pension Society will be able to help: forcespensionsociety.org

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