Protections for my family - 1 April 2008 to1 April 2014 leaver

If you have a deferred benefit, but you die before those benefits are paid, a death grant equal to five times the value of your pension may be paid as to your nominee(s).

However, if you left with deferred benefits and die before receiving them and you are also an active member of the LGPS when you die, the death grant payable is the higher of:

• a lump sum death grant equal to the value of your lump sum, or
• three times your assumed pensionable pay from the job you were doing when you died

You can check your current nominations by logging into your online pension account.

If you were married, had a civil partner or an eligible cohabiting partner at the time of your death, they’ll be entitled to an ongoing pension which will be paid for the rest of their life and will increase each year in line with the cost of living. The pension is calculated as 1/160th of your final pay times by the following:

For your wife, husband or same sex civil partner: a survivor’s pension based on 1/160 of your final pay multiplied by the total membership your pension is based on.

For your opposite sex civil partner – female survivor, a survivor’s pension based on 1/160 of your final pay multiplied by your membership from 6 April 1978.

For your opposite sex civil partner – male survivor, a pension based on 1/160 of your final pay multiplied by your membership from 6 April 1988.

If you got married to an opposite sex partner or formed an opposite sex civil partnership after leaving the LGPS, the survivor’s pension is based on either:

• Female survivor – 1/160 of your final pay multiplied by your membership from 6 April 1978.
• Male survivor – 1/160 of your final pay multiplied by your membership from 6 April 1988.

If you got married to a same sex partner or formed a same sex civil partnership after leaving the LGPS, the survivor’s pension is based on 1/160 of your final pay multiplied by your membership from 6 April 1978, plus any relevant additional membership. For your eligible cohabiting partner: a pension based on 1/160 of your final pay multiplied by the total membership in the scheme from 6 April 1988., plus any membership bought to buy additional survivor benefits.

To be an eligible cohabiting partner, at the time of your death and for a continuous period of at least 2 years before:

• your partner must have been financially dependent upon you, or you were financially interdependent, and
• both you and your partner must:

– have been able to marry or form a civil partnership with each other,

– have been living together as if you were married to, or in a civil partnership with, each other, and

– have not been living with a third person as if married to, or in a civil partnership, with them.

Your partner is financially dependent on you if you have the highest income. Financially interdependent means that you rely on your joint finances to support your standard of living. It doesn’t mean that you need to be contributing equally. For example, if your partner’s income is a lot more than yours, he or she may pay the mortgage and most of the bills, and you may pay for the weekly shopping.

If you have any eligible children at the time of your death, they will be entitled to a children’s pension and this will increase in line with the cost of living.

To be eligible, at the date of your death, your children must be:

• born before or within a year of your death, and
• under 18 and be wholly or mainly dependant on you, or
• under 23, dependant on you and be in full time education or undertaking vocational training.

In some cases, the following may be classed as an eligible child:

• a dependant child, under age 23, who starts full–time education or vocational training, after the date of your death
• a dependant child of any age, who is unable to get a job for not less than 30 hours in each week for a period of not less than 12 months because of physical or mental impairment and either:
• has not reached the age of 23, or
• the impairment is, in the opinion of an independent registered medical practitioner, likely to be permanent and the child was dependent on you when you died because of that mental or physical impairment.

The amount of pension they will get depends on the number of children you have and whether or not a survivor’s pension is being paid to a husband, wife, civil partner or cohabiting partner.

If a survivor’s pension is being paid, one child would get 1/320 of your final pay multiplied by the total membership your pension is based on. Two or more children would receive 1/160 shared equally between them.

If no survivor’s pension is being paid, one child would get 1/240 of your final pay multiplied by the total membership your pension is based on. Two or more children would get 1/120 shared equally between them.