You must complete a Nomination form so that the Trustee knows who you'd like to get a lump sum if you die before you claim your IWDC benefits (or within five years of taking them).
If you don’t nominate, the lump-sum payment might be delayed and cause unnecessary stress to those who matter to you. Even if you have nominated in the past, it's a good idea to check your nominations regularly and keep them up to date.
You can nominate:
You can also download the Nomination form, print off and complete, and return to Railpen at the address on the form.
Also in this section