What happens if you die

What Happens If You Die

✓ Death benefits may be payable if you die before taking your deferred pension.

✓ A survivor's pension may be payable to a spouse, civil partner or eligible cohabiting partner.

✓ Eligible children may also be entitled to a pension.

✓ You should ensure that your nomination details are up to date.

Ensure that your nomination details are up to date so that we can take your wishes into account when deciding who should receive any payable death grant.

Death Grant

If you die before taking your deferred pension, a death grant may be payable to your nominee or your estate.

  • Left before 1 April 2008: 3 times your annual deferred pension.
  • Left on or after 1 April 2008: 5 times your annual deferred pension.

If you have more than one deferred LGPS benefit, a death grant may be payable from each benefit, subject to the scheme rules.

Survivor's Pension

If you die, a long-term pension may be payable to:

  • Your husband, wife or spouse.
  • Your registered civil partner.
  • Your eligible cohabiting partner.

The pension will usually be payable for life and will increase each year in line with the cost of living.

Children's Pension

A pension may also 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.
  • Dependent on you because of a permanent physical or mental impairment.
  • Born within 12 months of your death.

The amount of any children's pension depends on the number of eligible children and whether another survivor's pension is payable.