Death Grant
The LGPS provides financial protection for your family if you die while an active member of the LGPS Councillors' Scheme.
If you die before age 75 while an active member, a death grant equal to twice your career average pay will be payable.
Gwynedd Pension Fund will decide who receives the death grant, but any expression of wish submitted by you will be taken into account when making that decision.
Keep Your Nomination Up to Date
Make sure your death grant expression of wish is up to date so that we can take your wishes into account.
Survivor's Pension
If you die, a long-term pension may be payable to:
- Your husband or wife.
- Your registered civil partner.
A survivor's pension is payable for life and will normally increase each year in line with the cost of living.
Spouse's or Civil Partner's Pension
Your spouse's or civil partner's pension will be equal to 1/160 of your pensionable pay multiplied by your total membership up to the date of your death, together with any additional service you could have built up to age 65.
Important: A pension is not payable to a cohabiting partner under the LGPS Councillors' Scheme.
Children's Pension
In addition to survivor benefits, a pension may be payable to eligible children.
A child may be eligible if they are:
- Under age 18.
- Between ages 18 and 23 and in full-time education.
- Wholly or mainly dependent on you.
- Born within 12 months of your death.
- In certain circumstances, permanently physically or mentally impaired.
The level of any children's pension depends on the number of eligible children and whether a survivor's pension is payable.
Assumed Pension
These benefits are based on your Assumed Pension.
Your Assumed Pension is based on your career average pay and membership up to the date of your death, plus:
- 10 years of additional service; or
- The additional service you would have received had you retired on ill-health grounds on the date of your death.
In all cases, the additional service cannot exceed the service you could have built up by age 65.
Where a Survivor's Pension is Payable
Eligible children will be entitled to a short-term pension for 3 months if they are not in the care of the survivor. This will be divided equally between all children.
After that, the following long-term pension will be payable:
- 1 child: ¼ of your Assumed Pension.
- 2 or more children: ½ of your Assumed Pension, divided equally.
Where a Survivor's Pension is Not Payable
A short-term pension will be payable for 6 months and divided equally between the eligible children.
After that, the following long-term pension will be payable:
- 1 child: ⅓ of your Assumed Pension.
- 2 or more children: ⅔ of your Assumed Pension, divided equally.