If you left service before 1 April 2009 and die with deferred payments still waiting, the lump sum you were due will be paid to your nominee as a lump sum death grant.
If you left service after 31 March 2009, the lump sum will be 5 times the annual pension you have built up.
Make sure you’ve nominated someone online using our nomination form to receive this payment or it may be subject to inheritance taxes or be delayed.
Widow’s, widower’s, civil partner and nominated cohabiting partner pensions
A long-term widow’s, widower’s, civil partner’s or (provided you left after 31 March 2009) nominated cohabiting partner's survivor's pension will be payable if you were married or in the partnership before you deferred your pension.
Survivor's pensions are paid automatically except in the case of nominated cohabiting partners where a NCP form must have been completed.
Survivor's pensions increase every year in line with the cost of living and are 1/160 of your pensionable pay per year of service.
Widowers, nominated cohabiting partners and civil partners will receive a pension based on your membership after 5 April 1988.
Widowers may also receive a pension based on your membership before 5 April 1988 if you chose to provide a widower’s pension at that time.
Children’s pensions
A long-term children’s pension will be payable for as long as children remain eligible. These pensions increase every year in line with the cost of living.
If you die after retiring
If you left service before 1 April 2009 and die after retiring on pension, your benefits will no longer be payable. A lump sum death grant of what is left of your first five years’ pension is payable to your nominated beneficiaries if you die within five years of retiring. These amounts/periods will be doubled if you left service after 31 March 2009.
Some short and long term widow’s, widower’s, nominated cohabiting partner's or civil partner’s pension may also be due.
More information
A Guide to the Local Government Pension Scheme has full details of the LGPS. If you would rather receive a copy by post, contact us.