After I die
The LGPS provides valuable life cover and financial protection for your family. Your dependents will be paid a pension. A lump sum death grant may also be payable. Watch the protection for your family video for a general overview.
you are still paying in the LGPS
you have left the LGPS but have not taken payment of your pension
you left after 31 March 2008 and have been receiving your pension for less than 10 years
you left the LGPS between 1 April 1998 and 31 March 2008 and have been receiving your pension for less than 5 years.
the person(s) you name on your expression of wish form
your personal representative(s) – this is someone who is responsible for your looking after your estate when you die
anyone who appears to have been, at any time, a relative or dependent.
the total of any lump sum death grants payable from the deferred and/or pensions in payment
three times your assumed pensionable pay at the date you die
If you die after leaving the LGPS and before you take your pension, you hold a deferred benefit in the LGPS. The lump sum death grant payable depends on when you left:
- if you left after 31 March 2008 – five times your deferred annual pension is paid
- if you left before 1 April 2008 – three times your deferred annual pension is paid
However, if you left with deferred benefits and die before receiving them and you are also an active member of the LGPS when you die, the death grant payable is the higher of:
- your deferred death grant as calculated above, or
- three times your assumed pensionable pay in your active employment
If you hold more than one deferred benefit in the LGPS a death grant will be paid from each deferred benefit, provided you are not also an active member of the LGPS.
If you paid Additional Voluntary Contributions (AVCs) arranged through the LGPS, the value of your AVC fund is also payable.
If you left before 1 April 2008 and you die within five years of receiving your pension, provided you are under age 75, the death grant payable is equal to five times the value of your annual pension less the pension we have already paid to you.
If you left between 1 April 2008 and 31 March 2014 and you die within ten years of receiving your pension, provided you are under age 75, the death grant payable is equal to ten times the value of your annual pension less the pension already paid to you.
If you left on or after 1 April 2014 the death grant payable will be equal to ten times the value of your annual pension less the pension already paid to you and any lump sum taken by giving up some of your career average based pension.
If you left before 1 April 1998 – the calculation is more complex.
If you are also an active member when you die, the death grant payable is the higher of the amount calculated as above, or three times your Assumed Pensionable Pay in your active employment.
Your spouse, civil partner or eligible cohabiting partner will receive part of your pension. It will be paid for the rest of their life. Generally, this is:
- 30.625% of the pension you built up from April 2014
- 37.50% of the pension you built up between April 2008 and March 2014
- 50% of the pension you built up before April 2008.
If you die in service as a member of the LGPS, the pension will include a part of the increase you would have received if you had retired on ill-health.
If you leave before retirement with deferred benefits and die before taking them, the pension is the relevant percentage of your deferred pension.
If you die after receiving your pension, the pension is the relevant percentage of your pension before giving up pension for tax-free lump sum and before any reductions or increases for early or late payment.
Some parts of your pension are not counted. This includes extra pension you paid for by making additional pension contributions.
Pensions for eligible cohabiting partners are only based on your membership after 5 April 1988, unless you elected before 1 April 2014 to pay extra contributions for membership before 6 April 1988 to count.
Also, the amount may be less where you entered into the civil partnership or marriage after leaving the LGPS.
Due to recent court cases, the Government is reviewing pensions for male survivors of opposite-sex marriages.