Peter Hopkins: The nitty-gritty of discretionary death benefits

What happens after a scheme member dies?

clock • 5 min read

Peter Hopkins looks at discretionary death benefits and sets out a detailed list of dos and don'ts when going through the process with clients...

When I started with the Inland Revenue in the late eighties one of our most useful leaflets was called, "What Happens When Someone Dies". The ambiguity in that always amused me as it seemed more appropriate to describe how the human body dies. But I couldn't offer a different title as "What happens after someone dies" moves from the medical practitioner to the theologian. Also during my Revenue career, I came across the case law concept of the man on the Clapham omnibus. In a nutshell what would seem reasonable to the average man or woman. These two ideas collide when it comes to m...

To continue reading this article...

Join Professional Adviser for free

  • Unlimited access to real-time news, industry insights and market intelligence
  • Stay ahead of the curve with spotlights on emerging trends and technologies
  • Receive breaking news stories straight to your inbox in the daily newsletters
  • Make smart business decisions with the latest developments in regulation, investing retirement and protection
  • Members-only access to the editor’s weekly Friday commentary
  • Be the first to hear about our events and awards programmes

Join

 

Already a Professional Adviser member?

Login

More on Pensions

Why the pensions dashboard could raise more questions than it answers

Why the pensions dashboard could raise more questions than it answers

The 31 October connection deadline was a 'starting gun rather than the finish line'

Robert Holford
clock 09 November 2026 • 4 min read
Pension Lab processes more than one million digital LoAs

Pension Lab processes more than one million digital LoAs

Challenge around ‘standards for consistency’

Sophia Panayi
clock 06 November 2026 • 1 min read
DWP, TPR and FCA launch consultation on guided retirement to help 'resurrect' pensions

DWP, TPR and FCA launch consultation on guided retirement to help 'resurrect' pensions

Consultation covers how default pensions should work in practice

Holly Roach
clock 03 November 2026 • 6 min read