Protection for your Family

Protection for your Family

Table of Contents

Protection for your Family

Protection for your Family

Deferred Benefit Death Grant 

If you left the LGPS before 1 April 2008

If you hold deferred pension rights in the Local Government Pension Fund (LGPS) until retirement, but you die before those benefits are payable, a death grant equal to the value of your lump sum, plus inflationary increases accrued since leaving the Scheme, will be paid as a death grant to your nominee or personal representatives. In addition if you die and leave a husband or wife or civil partner, he or she, will become entitled to part of your pension.

If you left the LGPS after 1 April 2008

If you hold deferred pension rights in the LGPS until retirement, but you die before those benefits are payable, a death grant equal to five times the value of your deferred pension , plus inflationary increases accrued since leaving the Scheme, will be paid as a death grant to your nominee or personal representatives.

To nominate your beneficiary(ies) for payment of a Death Grant please complete the Expression of Wish for Payment of a Death Grant form.

Please note: If you have re-joined the LGPS in England or Wales, the Lump Sum Death Grant payable would be the greater of:

  • the total from all deferred benefits, annual pensions in payment and any suspended Tier three ill health annual pensions, or
  • three times your pensionable pay (Assumed Pensionable Pay) in your new role.

If you paid Additional Voluntary Contributions (AVCs) arranged through the LGPS (in-house AVCs), the value of your AVC fund is also payable.

Survivor Benefits

A pension is provided for your spouse, registered civil partner or, subject to certain qualifying conditions, your eligible co-habiting partner (if you were a member of the LGPS on or after 1 April 2008) and to your eligible children.

Children's Pensions

Children's pensions are also payable for so long as eligible children remain following your death. To be eligible your children must be:

  • Aged under 18 (or under 23 if in full-time education or training since before the age of 18), and

  • Natural, adopted or step-child, or

  • dependent upon you by reason of incapacity since before the age of 18, or

  • born within 12 months from the date of your death.

The administering authority may, at their discretion, ignore a break in training or education and you can ask your administering authority what their policy is on this matter.

If you would like further information on the benefits payable to your dependants in the event of your death please contact the Pensions Team directly on 01628 796 668 to request a quotation. Alternatively you can email us on info@berkshirepensions.org.uk