Protection for my family
The LGPS provides valuable protections for your family. If you die with deferred benefits in the LGPS the following benefits may be payable to any eligible dependants:
•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 temporary Children’s pension for your eligible children
Lump sum death grant
If you have a deferred benefit, but you die before those benefits are payable, a death grant equal to five times the value of your pension may be paid as a death grant to your nominee(s).
You can check your current nominations by logging into your pension account.
If you were married, had a civil partner or an eligible cohabiting at the time of your death, they will be entitled to an ongoing pension which will be paid for the rest of their life.
For your wife, husband or civil partner: a pension based on 1/160 of your final pay multiplied by the total membership your deferred pension is based on.
If you got married after leaving the LGPS, the pension paid to your wife/husband could be less than this.
For your eligible cohabiting partner: a pension based on 1/160 of your final pay multiplied by the total membership in the scheme since 5 April 1988.
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.
If you have any eligible children at the time of your death, they will be entitled to a temporary children’s pension.
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 of any age, who is disabled
•a dependant child, under age 23, who commences full-time education or vocation training, after the date of your death
The amount of pension they will receive 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 in payment, one child would receive 1/320 of your final pay multiplied by the total membership your deferred pension is based on. Two or more children would receive 1/160 shared equally between them.
If no survivor’s pension is in payment, one child would receive 1/240 of your final pay multiplied by the total membership your deferred pension is based on. Two or more children would receive 1/120 shared equally between them.