If you are paying additional contributions to buy extra eligible cohabiting partner’s survivor benefits

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Columns of coinsIf before 1 April 2014 you entered into a contract for your pre 6 April 1988 membership to count for a cohabitee survivor's pension, these can continue after 1 April 2014 (but cannot commence after this date).

The contribution amount you pay is based on a percentage of the definition of pensionable pay before 1 April 2014 (see final pay for more information). The extra benefit that you have paid for will be included in calculating any survivor pension payable to an eligible cohabiting partner on your death.  

But if you are still paying these when you retire, only that proportion of the extra benefit you have paid for will count, unless you qualify for the type of ill health pension where your benefits are based on enhanced membership. If so, the whole of the extra benefit you set out to buy will be included in calculating any survivor pension payable to an eligible cohabiting partner, even if you have not completed full payment for it.