Error from pension

treecol

Hi all, can you help me deal with an issue that has arisen from my late Father's estate, please?
He passed away a few years ago, my husband & I am co-executors & only beneficiaries of his estate. At the time of applying for probate, I notified his private work pension company of his death & they calculated if any pension & subsequent tax was owed.
They have now just written out of the blue & said that when he retired in the 1990's he should have been offered the option to pay a premium for continued life cover. It says the cost of the cover was deducted from the maximum tax-free cash payable on retirement & if this option is chosen, a lump sum equal to a third of the deceased's pension payable on their death.
So they have offered a sum that is a third of his annual pension & deducted the premium from it (£700).
So my question is: how do I know that he could have had another option to chose (had it been offered) & that it's a third of the annual pension etc? The small print in the current provider's policies currently says how much a beneficiary could get would be 3 or 4 times the salary (or pension). The company he worked for's pension has been taken over twice & is now owned by a big insurance company.
Should I be asking for more evidence what they say is correct or just accept it? I'm so grateful to be offered it, but is it wise to just accept or ask questions?
Thank you in advance.

Keep_pedalling

If the pension company wanted to short change his estate they would simply not contacted you. Just accept your windfall.