As well as providing you with an income in retirement, membership of the scheme also provides valuable protection for your dependants.
Unless you tell SPPA otherwise, this will be paid to your spouse, registered civil partner or qualifying partner and will normally be tax free.
Please contact SPPA if you wish to nominate someone else to receive the payment.
If no beneficiary is nominated and you do not have a spouse or registered civil partner, the lump sum can only be paid to your estate and so may be subject to Inheritance Tax.
You are covered for death in membership benefits only if you are in active pensionable employment, at work and paying into the NHS 2015 scheme.