"In this world, nothing can be said to be certain, except death and taxes."

Whilst this is true, one way to ensure that your assets go to the people you want after death is to write down your wishes in a legally recognised format. This format is usually a will but when applied to pensions this is most often called an expression of wish form, a nomination of wish form or, a nominated beneficiary form. This confirms the person(s) you want any pension benefits to pass to on your death.

For cohabitees, as this case shows, this is even more important and is likely to take some of the pain and legal process away so that loved ones get relevant pension benefits without delay. 

How many employees in current workplace pensions have no expression of wish form or have not reviewed it for years? Reminding them of this is something that should be included in any financial education programme and part of regular pension communications.