As a member of the LGPS, there is protection for your family if you were to die in service.
A pension is provided for a surviving widow, widower, registered civil partner or, subject to certain qualifying conditions, a cohabiting partner. A survivors’ pension is payable immediately after death (providing conditions are met), for the rest of their life, and will be adjusted every year in line with the cost of living (CPI). Pensions may also be payable to eligible children.
If you pay Additional Voluntary Contributions (AVCs) arranged through the LGPS (in-house AVCs), the value of your AVC fund is also payable, as is any additional life cover.
Lump Sum Death Grant
If you die in service as a member of the LGPS, a lump sum death grant of 3 times your assumed pensionable pay at your date of death is paid, provided you are under age of 75 at the date of death. You can elect who you would like this lump sum to be payable to by completing an Expression of Wish Form. Please remember to keep this up to date if your circumstances change.
Paying Extra Contributions?
If you die in service and:
- you are paying, or have paid, additional contributions to buy extra LGPS pension through Additional Pension Contributions (APCs) (or Shared Cost Additional Pension Contributions (SCAPCs)), these will not count towards the value of any survivors’ pension or children’s pensions.
- you elected before 1 April 2014 to pay Additional Regular Contributions (ARCs) then, provided you opted to pay for survivors’ benefits when you took out your original contract, extra benefits will be payable to your spouse, civil partner or eligible cohabiting partner and to any eligible children. If you were paying the ARCs at the date of death you will be deemed to have completed all payments. If you did not opt to pay for survivors’ benefits when you took out your original ARC contract, then no extra benefits will be payable.
- you elected before 1 April 2008 to buy LGPS added years of membership, you will be credited on your death with the whole extra period of membership that you set out to buy, even if you have not completed full payment for it. This will increase the value of the benefits payable for your spouse, civil partner or eligible cohabiting partner and to any eligible children.
- you elected before 1 April 2014 to buy extra nominated cohabiting partner survivor benefits, then the whole of your pre 6 April 1988 membership that you were paying additional contributions for, will be included in calculating any survivors pension payable to an eligible cohabiting partner, even if you have not completed full payment for it.
- if you are paying Additional Voluntary Contributions (AVCs) arranged through the LGPS (in-house AVCs), the value of any extra life cover pension for your spouse, civil partner or eligible cohabiting partner and eligible children paid for through AVCs is also payable.
Notifying the Fund of a Death
It is essential that the Fund is notified of a member’s death as quickly as possible so that the process of establishing whether benefits are due can be started without delay.
When contacting the Fund it would be helpful if informants have the following information to hand: –
- Full name and address of the deceased
- The date of death and where the death was registered
- Reference number such as National Insurance number or Payroll Reference number
- Full name and address of the Next of Kin and a contact telephone number
- The Fund will then write to the Next of Kin to request a copy of the death certificate and any other relevant certificates (i.e. marriage or civil partnership certificate).
When entitlement has been established and the relevant benefits have been calculated, the recipient will be informed and the appropriate payments made.