Information for members of the LGPS and those with police, firefighter, teacher and NHS pensions
Last updated:
17 July 2017

What happens when I die?

How your pension is paid out after your death.

If you left the LGPS on or after 1 April 2008

A lump sum death grant will be paid, if you die with less than 10 years pension contributions and you are under age 75 at the date of death. The amount payable would be:

  • 10 times the level of your annual pension in respect of your membership of the scheme after 31 March 2014 (before giving up any pension for a tax free cash lump sum), less any pension already paid to you in respect of your post 31 March 2014 membership and the amount of any tax-free cash lump sum you chose to take by giving up some of the pension you built up after 31 March 2014 when you drew your pension at retirement, plus
  • 10 times the level of your annual pension in respect of your membership of the scheme before 1 April 2014 (after giving up any pension for a tax free cash lump sum), less any pension already paid to you in respect of your pre 1 April 2014 membership.

If you left the LGPS before 1 April 2008

A lump sum death grant will be paid, if you die with less than 5 years pension contributions and you are under age 75 at the age of death. The amount payable would be:

  • 5 times the level of your annual pension in respect of your membership in the scheme (after giving up any pension for a tax free cash lump), less any pension already paid to you.

If you left the LGPS before 1 April 1998

The calculation of the death grant depends on whether you have more than, or less than, 10 years’ service that counts towards the calculation of your pension benefits.

However, if you are drawing a pension and you are also an active member of the LGPS when you die, the death grant payable is the higher of:

Payment is normally made to your next of kin or your nominated beneficiary if you have completed an expression of wish form. You can either:

  • download and complete the form below
  • complete an electronic version of the form via the Hartlink Online Portal (you will need to register before you can use this facility).

However, the LGPS regulations state that as administering authority, the County Council has full discretion on who to pay the death grant to.

Spouses, civil partners, or cohabiting partners

In addition to the death grant, pensions are payable to your spouse, civil partner or cohabiting partner and any eligible children.

Spouses, civil and cohabiting partners will receive a dependent’s pension after your death based on:

  • 1/160 x your pensionable pay paid in each year from 1 April 2014 (with relevant increases)

plus:

  • 1/160 x your membership before 1 April 2014 x your final pay

If you left on or after 1 April 2008, an eligible cohabiting partner’s pension may be payable as above, but will be based only on your membership after 5 April 1988.

If you married or entered a civil partnership after your retirement, the dependent’s pension may not be based on all of your membership.

Pensions for eligible children

Eligible children will receive a pension after your death calculated in the same way as the spouse, civil partner, or cohabiting partner’s pension, but using a fraction of 1/320th instead of 1/160th.

If there isn’t a spouse, civil partner, or cohabiting partner’s pension payable, the children’s pension is increased from 1/320th to 1/240th.

If there is more than one eligible child, the value of two children’s pensions will be shared between all of the eligible children.

Eligible children

Generally, eligible children will be your natural, adopted or step-children (or children treated as members of the family) who are below 18, or below 23 and continuing in full-time education. Dependent disabled children may be eligible at any age if they meet certain criteria.

 

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