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Cambridgeshire firefighters - information for pensioners 1992 Scheme Cambridgeshire Firefighters - Information for Pensioners 2006 Scheme Cambridgeshire Firefighters - Information for Pensioners 2015 Scheme Northamptonshire firefighters - information for Pensioners 1992 Scheme Northamptonshire Firefighters - Information for Pensioners 2006 Scheme Northamptonshire Firefighters - Information for Pensioners 2015 Scheme Notifying us of a death of Active Scheme Member Notifying us of a death of Deferred Scheme Member Notifying us of a death of Pensioner Scheme Member When can I take my benefits? (I have left employment before 1st April 2008) When can I take my benefits? (I have left employment after 31st March 2008 and before 1st April 2014) When can I take my benefits? (I have left employment after 31st March 2014) How is my pension calculated? (I am currently contributing into pension) How is my pension calculated? (I am deferred member of pension scheme) I need pension information for a divorce or dissolution of a civil partnership (I am active member of scheme) I need pension information for a divorce or dissolution of a civil partnership (I am deferred member of scheme) I would like to dispute a decision (I am active member of scheme) I would like to dispute a decision (I am deferred member of scheme) Protections for my family (I left employment before 1st April 2008) Protections for my family (I left employment after 31st March 2008) Rejoining the LGPS (I stopped contributing after 31st March 2008 and before 1st April 2014) Rejoining the LGPS (I stopped contributing after 31st March 2014) 1 April 2008 to 31 March 2014 leavers 1992 Fire pension scheme homepage 1992 Fire Scheme - Forms and Resources 1992 Fire scheme - information on your membership for active members 1992 Fire scheme - information on your membership for deferred members 2006 Fire pension scheme homepage 2006 Fire Scheme - Forms and Resources 2006 Fire scheme - information on your membership for active members 2006 Fire scheme - information on your membership for deferred members 2015 Fire pension scheme 2015 Fire scheme - forms and resources 2015 Fire scheme - information on your membership for active members 2015 Fire scheme - information on your membership for deferred members Active LGPS Annual Benefit Guidance Note 2019 Active members: about the scheme Active members: forms and resources Active members: managing my pension Annual Allowance Member Fact Sheet 2019 Annual Benefit Statements Boards and committees homepage Cambridgeshire committees and board Cambridgeshire investment sub committee Cambridgeshire key governance documents Cambridgeshire local pension board Cambridgeshire pension fund committee Can I pay less? Can I pay more? Changes in circumstances Claiming your pension Councillors and the LGPS Deferred members: about the scheme Deferred members: forms and resources Deferred members: managing my pension Existing LGPS pension scheme members homepage Existing members homepage Fire pensioners 1992 scheme homepage Fire pensioners 2006 scheme homepage Fire pensioners 2015 scheme homepage Firefighters pension scheme homepage Full Guide to LGPS 2019 Glossary of terms Governance homepage Help Home How are my benefits calculated? How are my deferred 2008 benefits calculated? How much do I have to pay? I am having some time off work I am thinking of leaving the scheme I would like to increase my benefits I would like to join the 50/50 section of the scheme I would like to know how much my pension is worth I would like to transfer a previous pension I'm thinking of joining homepage Information governance Is my pension taxed? Keeping us updated Key governance documents homepage Landing page Latest news LGPS active members homepage LGPS deferred members homepage LGPS pensioner members homepage Login/Register Northamptonshire key governance documents Pensioner newsletters, forms and factsheets Post 1 April 2014 Leaver Pre 1 April 2008 leaver Protection for my family Protection for your family Resolving complaints Thinking of joining the fire pension scheme? Thinking of joining the LGPS Thinking of joining: forms and resources Transferring from the LGPS Update my details What are my retirement options? What happens if I die in service? What if I want to leave the scheme? Your payments Videos Your Pension made simple Coronavirus
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Protections for my family - 1 April 2008 to1 April 2014 leaver

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The LGPS gives you valuable protections for your family. If you die with deferred benefits in the LGPS any eligible dependants may be paid:

  • A lump sum death grant – paid to the nominees of your choice
  • An ongoing ‘survivors’ pension for your husband, wife, civil partner or eligible cohabiting partner
  • A children’s pension for your eligible children

Lump sum death grant

If you have a deferred benefit, but you die before those benefits are paid, a death grant equal to five times the value of your pension may be paid as to your nominee(s).

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:

  • a lump sum death grant equal to the value of your lump sum, or
  • three times your assumed pensionable pay from the job you were doing when you died

You can check your current nominations by logging into your online pension account.

Survivors pension

If you were married, had a civil partner or an eligible cohabiting partner at the time of your death, they’ll be entitled to an ongoing pension which will be paid for the rest of their life and will increase each year in line with the cost of living. The pension is calculated as 1/160th of your final pay times by the following:

For your wife, husband or same sex civil partner: a survivor’s pension based on 1/160 of your final pay multiplied by the total membership your pension is based on.

For your opposite sex civil partner – female survivor, a survivor’s pension based on 1/160 of your final pay multiplied by your membership from 6 April 1978.

For your opposite sex civil partner – male survivor, a pension based on 1/160 of your final pay multiplied by your membership from 6 April 1988.

If you got married to an opposite sex partner or formed an opposite sex civil partnership after leaving the LGPS, the survivor’s pension is based on either:

  • Female survivor – 1/160 of your final pay multiplied by your membership from 6 April 1978.
  • Male survivor – 1/160 of your final pay multiplied by your membership from 6 April 1988.

If you got married to a same sex partner or formed a same sex civil partnership after leaving the LGPS, the survivor’s pension is based on 1/160 of your final pay multiplied by your membership from 6 April 1978, plus any relevant additional membership. For your eligible cohabiting partner: a pension based on 1/160 of your final pay multiplied by the total membership in the scheme from 6 April 1988., plus any membership bought to buy additional survivor benefits.

To be an eligible cohabiting partner, at the time of your death and for a continuous period of at least 2 years before:

  • your partner must have been financially dependent upon you, or you were financially interdependent, and
  • both you and your partner must:

– have been able to marry or form a civil partnership with each other,

– have been living together as if you were married to, or in a civil partnership with, each other, and

– have not been living with a third person as if married to, or in a civil partnership, with them.

Your partner is financially dependent on you if you have the highest income. Financially interdependent means that you rely on your joint finances to support your standard of living. It doesn’t mean that you need to be contributing equally. For example, if your partner’s income is a lot more than yours, he or she may pay the mortgage and most of the bills, and you may pay for the weekly shopping.

Childrens Pension

If you have any eligible children at the time of your death, they will be entitled to a children’s pension and this will increase in line with the cost of living.

To be eligible, at the date of your death, your children must be:

  • born before or within a year of your death, and
  • under 18 and be wholly or mainly dependant on you, or
  • under 23, dependant on you and be in full time education or undertaking vocational training.

In some cases, the following may be classed as an eligible child:

  • a dependant child, under age 23, who starts full–time education or vocational training, after the date of your death
  • a dependant child of any age, who is unable to get a job for not less than 30 hours in each week for a period of not less than 12 months because of physical or mental impairment and either:
  • has not reached the age of 23, or
  • the impairment is, in the opinion of an independent registered medical practitioner, likely to be permanent and the child was dependent on you when you died because of that mental or physical impairment.

The amount of pension they will get depends on the number of children you have and whether or not a survivor’s pension is being paid to a husband, wife, civil partner or cohabiting partner.

If a survivor’s pension is being paid, one child would get 1/320 of your final pay multiplied by the total membership your pension is based on. Two or more children would receive 1/160 shared equally between them.

If no survivor’s pension is being paid, one child would get 1/240 of your final pay multiplied by the total membership your pension is based on. Two or more children would get 1/120 shared equally between them.


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