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Death in service

Last reviewed on 13 July 2018

If you die while employed by Co-op and you’re not in a Co-op pension scheme, your beneficiary will receive a cash sum equal to your annual salary.

If you’re in a Co-op pension scheme your beneficiary may get a larger cash sum.

A dedicated Co-op support worker will contact your family or legal representative and help them through the claim.

If you’re in the Pace DC pension scheme

If you contribute between 1 to 3% of your pay, your beneficiary will receive a cash sum equal to your annual salary.

If you contribute 4% or more of your pay, your beneficiary will receive a cash sum 3 times your annual salary.

The money saved in your pension account will also be paid as a lump sum to your nominated beneficiary.

You need to nominate a beneficiary for your pension separately.

If you’re in the Pace DB pension scheme (formerly Pace Complete)

If you also have benefits in Pace DB you will be entitled to additional death in service benefits. Read the Pace DB Guide for more information.

Additional payouts for accidents

If you die from an accident, inside or outside of work, your beneficiary will receive an additional cash sum 3 times your annual salary or £75,000 - whichever is greater, up to a maximum of £1million.

Read more about your personal accident cover.

Isle of Man colleagues

If you die while employed by Co-op and you’re not in the registered Manx Co-op pension scheme, your beneficiary will receive a cash sum equal to your annual salary.

If you’re in the Manx Co-op pension scheme your beneficiary will receive a cash sum equal to three times your annual salary.

A dedicated Co-op support worker will contact your family or legal representative and help them through the claim.

If you need further support

Email hrbenefitsteam@coop.co.uk.

If you’re a relative or legal representative of someone who’s died while working for Co-op, you can contact hrbenefitsteam@coop.co.uk to get help and advice about their death in service cover.