Frequently Asked Questions about death in service

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What happens if I die in service and was paying, or have paid, additional contributions to buy extra LGPS pension by paying Additional Pension Contributions (APCs) or Shared Cost Additional Pension Contributions (SCAPCs)?

These will not count towards the value of any survivor’s pension or children's pensions as they only count towards your pension.

What happens if I die in service and elected before 1 April 2014 to pay Additional Regular Contributions (ARCs)?

Provided you opted to pay for dependant's benefits when you took out your original contract, extra benefits will be payable to your spouse, civil partner or eligible cohabiting partner and to eligible children.

If you were still 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 dependant's benefits when you took out your original ARC contract, then no extra benefits will be payable.

 

What happens if I die in service and 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 eligible children.

 

What happens if I die in service and elected before 1 April 2014 to buy extra cohabiting partner survivor benefits?

The whole of your pre-6 April 1988 membership that you were paying additional contributions for will be included in calculating any survivor pension payable to an eligible cohabiting partner, even if you have not completed full payment for it.

What happens if I die in service and was paying Additional Voluntary Contributions (AVCs) arranged through the LGPS (in-house AVCs)?

The value of your AVC fund is payable as is, the value of any extra life cover pension for your spouse, civil partner or eligible cohabiting partner and eligible children paid for through AVCs.