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Phone Call From Pension Scheme

52 replies

MitziK · 29/07/2019 12:09

My brother died suddenly a few months ago. Which is really crap (I nearly lost it the other night when watching a Marvel movie and realised my last words to him were from that - he was a huge fan and had made a point of passing that on to me, but I honestly didn't realise that's where my words were from).

Anyhow, the phone rang this morning and a bloke who said he was calling from my brother's pension scheme asked for permission to write to me. He had my name, obviously my mobile number and it was definitely his employer's name. He didn't ask for any other details and his accent matched the location of the pension fund offices. There has been no mention of DB's death/identification in the press (thankfully, considering it was a serious accident) and I knew that he would have a pension with Death in Service Benefit, just because of where he worked.

I've given the guy permission to write and he says I'll receive something in the next couple of days.

Obviously, whatever it is, I'll double/triple/quadruple check whether it's legit before replying, but it's worrying me.

a) is it feasible that a large pension scheme has picked my details up and contacted me out of the blue like that?

b) is it likely to be a fucking cold hearted scam?

c) are they just doublechecking that the parent can be counted as a dependent?

d) could the silly sod have nominated me for something?

e) if so, will the other parties know of this/the amount?

For context, it's a family that was at best, coldly neglectful and at worst, outright abusive family - DB was the only one who seemed to like me and was the only person who never hurt me physically or said anything cruel. He died without a partner/spouse or having any children.

I'm a bit worried that the other relatives (who were planning to track down the Death in Service Benefit at his hospital bed - I did think at the time that it was probably a conversation they would have been better having in the Relatives' Room) have triggered a claim and they're going to go ballistic if they find out I'm potentially receiving something that they feel is rightfully the #1 abuser's.

Does anybody have any experience of this? I'm telling myself it's either dodgy as hell or it's just to make sure that he wasn't supporting somebody else on the side - but, as I was informed on the day of the funeral that they didn't want to ever see my ugly face again, I'd rather not have them contacting me to voice their displeasure or at least would like to be prepared change my mobile number.

Help! DB was my go-to for sensible answers to everything. And he's not here to ask.

OP posts:
Comefromaway · 29/07/2019 12:15

Whenever I have joined a company pension I have had to nominate a beneficiary in the event of my death before I retired. That person can be a blood relative (parent or sibling)or it can be a partner/spouse. If your brother has no dependents he may well have nominated you.

His employer will most likely have triggered it (assuming they have been informed).

CatalogueUniverse · 29/07/2019 12:17

Sorry about your loss, I hope you find joy eventually in the things you both loved.

Your brother probably put you down as beneficiary. The pension scheme will not divulge any details to any other “interested” people bar telling them they have no claim.

I suggest that to avoid causing a riot you keep the info to yourself and get shot of the people who clearly do not add any happy to your life.

Comefromaway · 29/07/2019 12:21

Legally the pension company trustees don't have to follow your brother's wishes but in practice they always do unless his "expression of wishes" is very out of date eg he nominated a parent but now has a dependent wife and/or child.

mummmy2017 · 29/07/2019 12:24

Sound legit.
I think he named you .
Just look them up as you have anyway.
You get it tax free and it does not get included in the will, they will only know if you tell them...

crisscrosscranky · 29/07/2019 12:24

Sorry for your loss Thanks

My experience (LGPS) is that they are contacting you as a nominated beneficiary. You could be the sole recipient or receive a % but there is no reason your details should or would be divulged.

We once had a young lad who nominated his fairly new boyfriend to receive his lump sum (3x salary) and was then involved in a RTA and lost his life. We were unable to divulge anything to his parents (next of kin) - they had no idea he was in a relationship and, based on some of their contact, wrongly assumed he'd left it to a new girlfriend. I suspect they are still looking for her!

alwayscrashinginthesamecar1 · 29/07/2019 12:25

I’m sorry for your loss. As others have said it sounds very much like your lovely brother has nominated you as his beneficiary, and you are going to get a nice lump sum. I would keep very quiet, there is no way your horrible relatives can find out if you say nothing. I hope you have a lovely surprise in the next few days!

MitziK · 29/07/2019 13:24

Thank you. I'll update when I know anything more.

If that git's gone and dropped a fuckton of money into my lap, I won't know what to do with myself.

Probably start crying again

OP posts:
SaxxedtotheMax · 29/07/2019 13:29

Sorry to hear you are going through this.

Your family wouldn't ring you and pretend to be from the pension would they? To get info out of you? Sad

I hope it is legit Flowers

BadTimesAtTheElRoyale · 29/07/2019 13:37

MitzK Firstly I am so sorry for your loss. I lost my own brother without any warning 2 months ago and I can empathise with how you feel. He also had a pension with death in service benefit and I had to fill in the paperwork for it as it was still nominated in an old girlfriends name when he had been with his partner for 10 years and they have a 2 year old. I had to list all relatives. This was only done as his nominee was obviously out of date with his current situation.

What I am trying to say is that from what you have said it is unlikely your family would have even informed them of you, so it is likely you are named as his beneficiary. If this is the case then take such comfort from his love for you.

HollowTalk · 29/07/2019 13:37

I hope it is legit and hope that your lovely brother has had the chance to nominate you.

I'm so sorry you lost your brother. Flowers

For your own sake I hope you go NC with the rest of your family. They sound really horrible.

BadTimesAtTheElRoyale · 29/07/2019 13:39

You can also call the pension providers yourself if you know who they are. As long as you have his date of birth and address they should be able to confirm whether they contacted you. The paper work took around 2 weeks to arrive and then I had to send his death certificate and his partners bank details and it was paid within 2 weeks after that.

Hairyheadphones · 29/07/2019 13:44

Sorry for your loss Flowers

I agree that it sounds like your brother nominated you. In your position I would not tell anyone as it sounds like your family will hassle you.

MitziK · 29/07/2019 14:03

No worries about that. It wasn't a Phil Mitchell voice on the other end.

OP posts:
MitziK · 29/07/2019 14:24

I'll leave it for the time being, see what comes through before calling anybody. And yes, I have been NC with them for several years - seems that they thought they'd been NC with me, though. I didn't feel any need to ask them whether that was before or after they realised I hadn't contacted any of them for about 7 years.

Got through the funeral solely on the basis that I wouldn't ever have to deal with any of them ever again, so the idea of this sparking something off was a bit of an EEEK moment, but if they aren't going to be made aware of any amount (if there is something), I can rest a little easier, as I really didn't fancy having to explain why exactly I wasn't going to sign over everything to the person who made DB's life hell, despite everything he did for them.

OP posts:
wheresmymojo · 29/07/2019 15:06

As per PP the pension administrators will have been notified by HR.

They would then check his 'expression of wish' form for the name and address of benefactors and would contact them.

This sounds legitimate but you will be able to verify this once you get the paperwork. This will be on headed paper and with an address that you will be able to verify on their website.

Let us know if the paperwork brings up any concerns as it sounds like a few of us on here would be able to help with verification.

If the administrator is Willis Towers Watson I would be able to verify the name of anyone working for them (I can check that they are on our email system).

wheresmymojo · 29/07/2019 15:08

...and sorry for your loss Flowers

TixieLix · 29/07/2019 15:50

Sorry for your loss OP - it must be a very difficult time, especially with the family dynamics you describe Flowers

I work for a large corporation and I too have had to nominate beneficiaries as part of a Death In Service scheme. I can nominate more than one person and I then state what percentage of any benefit they are to receive. It sounds very likely you have been named as a beneficiary as I can't think what other reason they would have to write to you. I would also assume that because of GDPR, the pension company will not be allowed to disclose details of other beneficiaries/amounts to others. If this was your DBs wish, then raise a glass of something bubbly to his memory and treat yourself when the time comes.

HollowTalk · 29/07/2019 18:30

You don't have to tell your family a damn thing. If your brother has named you as a beneficiary, then it's nothing at all to do with them. In fact I wouldn't even reply to them. Not a word. They would only know the amount via you, so be careful who you told, in case there's someone who'd blab.

HollowTalk · 30/07/2019 20:18

@MitziK, did you hear anything from the pension people?

heidbuttsupper · 30/07/2019 20:25

My sister is my beneficary. Its not that unusual.
I am sorry for your loss Thanks

notapizzaeater · 30/07/2019 20:30

We've just filled in a death in service beneficiary form for DH. If he's nominated you then yes it should be going to you without involving your family.

MitziK · 30/07/2019 22:01

Not yet. Maybe it'll come tomorrow (or by the weekend).

OP posts:
MitziK · 31/07/2019 13:01

Got the letter. It's asking for opinions on how the lump sum (which is enough to buy a house outright) should be allocated.

#1 Abuser, I suppose. The others don't need the money (and #1 will likely use it to reward their followers, rather than be sensible and get themself a property of their own - they rent).

The idea was nice for a couple of days, though.

Thanks for your kindness.

OP posts:
CatalogueUniverse · 31/07/2019 17:24

What are the options it offers?

mummmy2017 · 31/07/2019 17:37

Back up a bit..
How is everyone related to your brother?
Blood only..
If Divorced or separated you can day so....
Did your brother name anyone?

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