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Life events

You never know what is around the corner, so here is what to do when life changes

Moving house

Have you moved house recently? Did you know that this can affect whether your benefits are paid when you need them?

If you move house, you should update your personal details on ePA, and let IMI know.

Visit ePA

Getting married or divorced

Missing or incorrect details can mean that payment of your retirement savings is delayed or even prevented.

If you get married or divorced, or enter into or leave a civil partnership, you may want to change your name or beneficiaries. If this is the case, you should remember to update your Expression of Wish Form. This will help the Trustee decide who should receive your Death in Service benefit and the value of your RSP account in the event of your death before you retire.

Download an Expression of Wish Form

Leaving

When you leave IMI, your contributions and IMI’s contributions to your account will stop. You can leave your account invested in the RSP or transfer it to another pension arrangement. You will still be able to keep track of your account and change your investments online. See Keeping track online for more information.

Illness

If you become seriously ill, you might be able to receive your savings early.

If you have any queries about how your benefits will be affected if you are ill, please get in touch with your local Pensions Contact.

Find your local Pensions Contact

Career break

Working fewer hours or taking a break from work can leave a gap in your savings. To make sure you can take a break and not have to worry about your future, you should consider increasing your contributions beforehand.

If you have any queries about how your benefits will be affected if you take some time off, please get in touch with your local Pensions Contact.

Find your local Pensions Contact

Death benefits

If you die while you are working for IMI, your dependants will receive a lump sum of five times your basic pay. The value of your RSP account will also be paid at the discretion of the Trustee. You should complete an Expression of Wish Form to ensure your dependants receive their benefits quickly.

Who will get your Death in Service benefits if you die?

How the decision is made

You can nominate someone you would like to receive your death in service benefits in the event that you die. The person you nominate is known as a ‘beneficiary’. This could include family members, dependants, or anyone else you choose. If you die, the Trustee decides who gets your Death in Service benefit and the value of your RSP account, taking your wishes into account.

What you can do

You can make your choices known by filling out an Expression of Wish Form. This is your way of telling the Trustee who you would like to nominate as a beneficiary if you die. You can choose as many people as you like, and you can update it whenever your circumstances change.

How to nominate someone

  1. Download and fill out an Expression of Wish Form.

  2. Return it to your Pensions Contact.

  3. Keep it up to date if your circumstances change.

Download an Expression of Wish Form

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