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Death Benefits

If you die having left employment but not claimed your pension, i.e. if you are a deferred member of the scheme, the amount of Death Grant payable would be dependant on whether you have a surviving spouse, civil partner or have a nomination in place to receive the Death Grant. 

If you did have a surviving spouse, civil partner or have a nomination in place to receive the Death Grant, the amount payable would be equal to the lump sum you would have received had you applied for your benefits. 

If there is no surviving spouse or civil partner and no nominations in place there would be two calculations done to ascertain the amount payable to your estate as a Death Grant lump sum.  The amount of lump sum payable to you, had you applied for your retirement benefits, would be compared against the total contributions you had paid plus 3% compound interest.  Whichever calculation gives the most beneficial result would be used.  

Link to Scottish Government Website