Death benefits

The level of death benefits payable will be different depending on what category of member you are at the date of your death. As an Active member the following benefits would be payable:

Lump sum

A lump sum equal to four times your Final Pensionable Earnings at the date of your death, together with a refund of the value of any AVCs you may have paid.

Spouse’s or Civil Partner’s pension

A pension, payable for life, equal to 54% of the pension you would have received at your Normal Retirement Date, but based on your Final Pensionable Earnings at the date of your death.

In the event of the death of your Spouse or Civil Partner, the pension that was payable to your Spouse or Civil Partner will be paid to any Eligible Child(ren), up to a maximum of three.

If you have Pensionable Service between 6 April 1978 and 5 April 1997 your Spouse’s or Civil Partner’s pension may include a Spouse GMP.

Dependant’s pension

If you were an Active member on or after 1 July 2005 and you die without leaving a Spouse or Civil Partner, a pension may be payable to one or more of your Dependant(s), in such proportions as the Trustee decides. The total amount of the pension will be equal to that which would have been paid to a Spouse or Civil Partner.

If the Dependant’s pension is paid to an Eligible Child who subsequently dies, the Dependant’s pension will continue to be paid to other Eligible Children, if any. However, if the Dependant’s pension is paid to a person who is not an Eligible Child who subsequently dies, the Dependant’s pension will stop. 

Eligible Child’s pension

As an Active member if you die leaving an Eligible Child(ren), up to a maximum of three, they will generally receive a pension equal to 1/6th of the pension you would have received at your Normal Retirement Date. This will be based on your Final Pensionable Earnings at the date of your death.

Note: The pension will be payable in respect of your Eligible Child(ren) while they are under age 18. If they remain in full-time education or vocational training, the pension may continue at the Trustee’s discretion but not normally beyond the age of 23.

For more information on benefits on death, please refer to the Bereavement Guide.

For more information on Death benefits, please refer to the Death benefits How to Guides which can be found in the How to Guides section of this website.