Death Benefits

If you were a member paying into the Scheme from 1 April 2015, the following benefits will be paid if you die:  

While you are paying into the scheme   

• a pension will be paid if you die while paying into the scheme to your husband/wife/ civil partner or co-habiting partner based on membership enhanced to State Pension Age.  
• a pension is also paid to eligible children  
• a lump sum death grant of 3 x assumed pensionable pay is payable. 

After you retire   

If you were to die, after you retire a pension will be paid to your husband/wife/civil partner or co-habiting partner if you pre-deceased them.  A pension may also be payable to eligible children   

• If you die within ten years of retiring, a lump sum death grant of ten times the annual pension (before any reduction due to you taking any larger tax-free lump sum) less the amount of pension already paid out less any lump sum taken by you on retirement after 1 April 2009.  

   If you are a deferred member who left the fund but kept your benefits in the LGPS   

If you are a deferred member who stops paying into the scheme but keep your pension benefits within the fund (called deferred benefits) and aren't receiving your pension   

• a pension will be paid to your husband/wife/ civil partner or co-habiting partner based on 1/160 x your membership to date of leaving  
• a pension is also paid to eligible children  
• a lump sum death grant of five times your deferred pension is payable (or three times your pension if you left before 1 April 2009).