Your loved ones can be protected should you die in service whilst a member of the Local Government Pension Scheme (LGPS).
Depending on the situation the following may be payable:
- A lump sum death grant.
- A widow’s, widower’s, nominated cohabiting partner's or civil partner’s pension.
- Children's pensions.
To protect your loved ones, make sure you have filled in the correct nomination forms:
If you fail to nominate someone for any lump sum death benefit, it might take longer for the payment to be made. The person receiving the lump sum might also have to pay inheritance tax if they’ve not been nominated using the form.
If you marry or enter a new civil partnership, any nomination form you’ve previously filled in will be ignored, so you’ll need to fill in a new one.
If you die after retiring on pension, your pension will cease. A lump sum death grant is payable if you were in service up to 31 March 2009 and die within five years of retiring. What is left of your first five years’ pension will be paid in one lump sum. If you were in service on 1 April 2009 these amounts/periods are doubled. Some short and long term widow’s, widower’s or civil partner’s pension may also be due. See death benefits and procedures in the pensioner member section of this site for more details.
A Guide to the LGPS has full details of the benefits provided by the LGPS.