If you die after leaving the Scheme but before starting to receive a pension from your Pension Account, your Pension Account will be used to pay a lump sum. If the total lump sum exceeds your available Lifetime Allowance (LTA) then any excess over the LTA may be used to secure a pension for your spouse, civil partner and/or dependant(s). If there is no spouse, civil partner or dependants, the Lifetime Allowance Charge would be payable on any excess over the available LTA.