Family Benefits and changes to marital status in the 2006 Scheme
As part of your membership of the NFPS 2006 your family are also entitled to certain benefits. In particular, on the event of your death, your loved ones may be entitled to a survivor’s pension.
Please remember to notify the pensions team of any changes to your marital status and you may want to update your expression of wish form.
If you were to die in service as a member of the NFPS 2006, a death grant would be payable. This would normally be three times your pensionable pay as at the date of death.
You can nominate the person or persons who you wish to receive your death grant, however Shropshire Fire & Rescue Service has absolute discretion as to whom to pay the death grant to. Your wishes will be taken into account when a decision is made.
A death grant may also be payable if a former firefighter dies within five years of receiving pension payments.
One of the most important aspects of membership of the NFPS 2006 are the benefits provided to your loved ones in the event of your death. Your spouse, civil partner, nominated partner and any eligible children will be granted a survivors pension, and a death grant lump sum may be provided.
Spouse and Partner pensions
When a NFPS 2006 member dies a pension will be paid to a surviving spouse, civil partner or nominated partner. A spouse’s or partner’s pension is payable for life even if he/she marries, remarries, forms a civil partnership or a subsequent civil partnership.
A child is eligible to receive a pension if below the age of 18, or below age 23 and in full-time education. Eligibility ceases on marriage, civil partnership or remunerated employment if earlier. A child who is permanently disabled may be entitled to receive a pension for life.
For the first 13 weeks following death, the spouse or partner will receive a ‘bereavement pension’. In effect, this tops up their pension to the level of the deceased’s pensionable pay (death in service) or pension (death after payment comes into payment).
In the event of divorce, dissolution of civil partnership, annulment or judicial separation, a court may order a pension scheme to pay all or part of a member’s entitlement to a pension to his/her former spouse or civil partner. This could be in accordance with an ‘earmarking’ order or a ‘pension sharing’ order.
You may be asked for specific information about your NFPS 2006 benefits for divorce/dissolution purposes and your authority’s pensions administrator can provide pensions information if requested.
An earmarking order could apply to all or part of your retirement pension, potential lump sum, or possibly your death grant. If you have already retired, the order may require immediate payment of pension to your former spouse or civil partner.
A pension sharing order would have immediate effect. The court would instruct that a percentage of the value of your benefits should be deducted to provide ‘pension credit rights’ for your former spouse or civil partner.
To request a CETV or to discuss your LGPS pension in the circumstance of a divorce contact the pensions team or alternatively see the Divorce Booklet.