Death benefits of a Pensioner member

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

Lump sum

Any unpaid balance of the first five years’ pension entitlement (not taking account of any future increases).

Note: If you had taken the State Spreading Option when you retired, this lump sum will be reduced to reflect the additional pension paid as a result of the State Spreading Option.

Spouse’s or Civil Partner’s pension

Following your death your Spouse or Civil Partner will generally receive a pension, payable for life, equal to 50% of the full pension you were entitled to at retirement (i.e. before exchanging any pension for a tax-free lump sum and excluding any pension from AVCs and the State Spreading Option if elected) plus any increases granted since that time.

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.

If you were receiving your pension on or before 1 July 2005, the pension payable to your Spouse or Civil Partner, will be at least 50% of your pension at your date of death.

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 a Pensioner member if you die leaving Eligible Child(ren), up to a maximum of three, they will generally receive a pension equal to 1/6th of the pension you were entitled to at retirement (i.e. before exchanging any pension for a tax-free lump sum and excluding any pension from AVCs and the State Spreading Option if elected) plus any increases granted since that time.

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.