Protections 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 or civil 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 the value of your lump sum 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, or had a civil partner 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: the pension would be half of your deferred pension.
For your husband: the pension would be half of your deferred pension, although only membership from 6 April 1988 will be used in the calculation. If you have any membership before 6 April 1988, this will not count towards your husband’s pension unless you have already elected for it to do so.
For your civil partner: the pension would be half of your deferred pension, based on all your membership.
If you left the LGPS before 1 April 1998, different rules can apply if your husband or wife remarries.
If you married after your benefits were deferred, your husband or wife’s pension may be calculated differently.
For your wife: the pension would be half of your deferred pension built up from 6 April 1978.
For your husband: the pension would be half of your deferred pension built up from 6 April 1988 but excluding additional membership you purchased or your employer granted you.
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 dependent 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 survivors pension is being paid to a husband, wife, or civil partner.
If a survivors pension is in payment, one child would receive a quarter of your pension, while two or more children would receive half between them.
If no survivors pension is in payment, one child would receive a third of your pension, while two or more children would receive two thirds between them.