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This document is for members of the MMC UK Pension Fund to express their wishes regarding the payment of death benefits to designated beneficiaries.
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How to fill out MMC UK Pension Fund Expression of Wish

01
Begin by obtaining the MMC UK Pension Fund Expression of Wish form from the pension provider's website or directly from the HR department.
02
Read the instructions carefully to understand the purpose of the form.
03
Fill in your personal details, including your name, address, and date of birth in the designated sections.
04
Clearly name the individuals or dependents you wish to nominate for the death benefits of your pension.
05
Specify the percentage of the benefit each nominated individual should receive, ensuring that the total equals 100%.
06
Sign and date the form at the bottom to validate your wishes.
07
Submit the completed form to the relevant HR contact or pension provider as instructed.

Who needs MMC UK Pension Fund Expression of Wish?

01
Anyone who is a member of the MMC UK Pension Fund and wishes to designate beneficiaries for their pension death benefits.
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While there is no requirement for you to complete an expression of wish form, there are two main reasons why doing so would be advantageous. If you do not complete an expression of wish form, any death grant that may become payable will be paid to your legal beneficiary.
What is an expression of wishes? In most pensions, the scheme administrator has the final say over who receives the death benefits of your pension. This is part of the structure which allows your pension to stay outside of your estate for inheritance tax purposes and normally can't be changed.
The Expression of Wish form is in respect of lump sum death benefits, if due. In the case of the NHS, that's if death occurs either before starting to draw your pension benefits, or within 5 years of drawing your pension.
The recent link explains in great detail but in general it's preferable to make an expression of wishes. That allows the trustees flexibility in dealing with changed circumstances though if time allows you should update the wishes. Don't rely on likely. Be explicit that this is your preference in that situation.

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The MMC UK Pension Fund Expression of Wish is a document that allows members of the pension scheme to specify who they would like their benefits to be paid to in the event of their death.
All members of the MMC UK Pension Fund are encouraged to file an Expression of Wish to ensure that their wishes regarding the distribution of their pension benefits are known and considered.
To fill out the MMC UK Pension Fund Expression of Wish, a member should complete the designated form, clearly writing the names and relationships of the chosen beneficiaries, and then submit it to the pension fund administration.
The purpose of the MMC UK Pension Fund Expression of Wish is to guide the pension trustees in making decisions on the distribution of the member's pension benefits after their death, aligning with the member's personal wishes.
The information that must be reported includes the names of the beneficiaries, their relationship to the member, and any percentages of the benefit that should be allocated to each beneficiary.
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