Pension funds fall into a different category of your estate when you die and any surplus amount in your pension fund on your death can not be bequeathed to anyone as with other assets.

Pension funds in your estate must be distributed to your dependents or those who relied on you as a breadwinner on your death, this is a legal obligation of the trustees of your estate.

Pension funds are also not accessible to creditors and cannot be attached. of course there are always exceptions to the rule but here we are assuming that you have not purposefully tried to hide any of your assets in a pension fund. The only creditor that has the ability to access pension funds is the receiver of revenue. Apart from that, your dependents have sole entitlement to the funds in your pension fund.