Depending on the amount of Family Benefits service you accrued throughout your career, when you die, as well as paying the death grant, the STSS may pay pensions to your widow, widower, civil partner, nominated partner, children or other dependants.
The amount of long-term pension payable depends on the amount of Family Benefits service you have accrued in the STSS. To qualify for Family Benefit, you must have two or more years Family Benefits service.
If you are a male teacher, you would have automatically accrued Family Benefits service along with your own reckonable service from 1st April 1972. Any service prior to this would not be included for Family Benefits, unless you opted to purchase this service in 1972 when this regulation changed. If you are a female teacher, or have a registered civil partner, you would have automatically accrued Family Benefits service along with your own reckonable service from 6th April 1988. Again, any service prior to this date would not be included for Family Benefits, unless you had opted to purchase this at a later date.
If you have a nominated legal partner, only service from 1st April 2007 would count as Family Benefits service, however, there is the option to purchase earlier service in order for this to be included in the calculation of any benefits payable to them.
There is a calculator available on our website which will give an estimate of the cost of purchasing Family Benefits service prior to 1988 or 2007 however, if you wish to do this, your application must be received within six months of registering your civil partnership or nominating your legal partner.
If you were to die within five years of your retirement an additional payment, called a Deficiency Grant. The Defiency Grant would be payable under the same circumstances as the Death Grant and would be equal to the difference between the pension paid up to the date of death and five times the annual rate of pension.