gototopgototop

What will happen in the event of my death?

What benefits will be paid if I die in service?

If you die in service as a member of the LGPS, the benefits shown below are payable.

A lump sum death grant

A one-off payment calculated at three times your final year's pay,no matter how long you have been a member of the LGPS, provided you are under age 75 at the date of death.  For part-time employees, it is three times your actual part-time pay.

A survivor's pension

An ongoing pension is provided for your husband, wife, registered civil partner or, subject to certain qualifying conditions, your nominated co-habiting partner.  This pension is payable immediately after your death for the rest of their life and will increase every year in line with the cost of living (Consumer Prices Index).

For your husband/wife

The pension payable is equal to 1/160th of your final pay times the membership you would have built up to age 65

For Your civil partner or nominated co-habiting partner

The pension payable is calculated in the same way, although only your membership from 6th April 1988 is used in the calculation.  (To nominate a co-habiting partner your relationship has to meet certain conditions laid down by the LGPS - please contact your Pension Fund administrator for details)

Children's pensions

Payable to eligible children and increase every year in line with the cost of living (Consumer Prices Index).  The amount of pension depends on the number of eligible children you have: 

If a survivor's pension is being paid to your husband, wife, civil partner or nominated co-habiting partner, one child would receive 1/320th of  your final pay times the membership you would have built up to age 65, while two or more children would receive 1/160th shared equally between them.

If there is no survivor's pension being paid to your husband, wife, civil partner or nominated co-habiting partner , one child would receive 1/240th of your final pay times the membership you would have built up to age 65, while two or more children would receive 1/120th shared equally between them.

 If you pay additional contributions:

      • Extra LGPS pension: if you opted to pay for dependant's benefits when you took out your original contract, then extra benefits will be payable to your husband, wife, civil partner or nominated co-habiting partner and to eligible children as if you had completed all payments.  If you did not opt to pay for dependant's benefits when you took out your original contract, then no extra benefits will be payable. 
      • LGPS added years:  if you bought LGPS added years before 1st April 2009, you will be credited on your death with the whole extra period of membership that you set out to buy, even if you have not completed full payment for it.  This will increase the value of the benefits payable to your husband, wife, civil partner or nominated co-habiting partner and to eligible children.  This option was discontinued on 1 April 2009 but in its place there is now the option of buying additional pension.

If you pay Additional Voluntary Contributions (AVCs):

      • The value of your in-house (arranged through the LGPS) AVC fund is payable, as is any extra life cover or spouse’s/civil partner’s pension paid for through AVCs.

What benefits will be paid if I die after retiring on pension?

If you die after retiring on pension, your benefits will no longer be payable.  Your husband, wife, civil partner, co-habiting partner, next-of-kin or person dealing with your Estate must immediately inform your Pension Fund administrator of your date of death as otherwise an overpayment could occur.

 

The following benefits may then be payable on your death:

A lump sum death grant:

If you die within the first 10 years on pension, and you are under age 75. The amount payable would be 10 times your annual pension reduced by any pension already paid to you (ignoring any reduction in your pension as a result of re-employment by an employer offering membership of the LGPS).

A survivor's pension:

A pension will be paid to your husband, wife, registered civil partner or, subject to certain qualifying conditions, your nominated co-habiting partner. This pension is payable immediately after your death for the rest of their life and will increase every year in line with the cost of living (RPI).

For your husband or wife: the pension payable is equal to 1/160th of your final pay times the membership your pension is based on, unless you marry after retirement in which case it could be less.  If you marry after retiring:

    • Your husband's pension is based on your membership after 5th April 1988, (excluding, unless you were married to your husband at some time whilst you paid into the LGPS, additional membership purchased by you or granted to you by your employer or the scheme), 
    • Your wife's pension is based on your contracted-out membership after 5th April 1978.

For your civil partner or nominated co-habiting partner: the pension payable is equal to 1/160th of your final pay times your membership in the scheme after 5th April 1988.

Children's pensions:

These are payable to eligible children and increase every year in line with the cost of living (Consumer Prices Index).  The amount of pension depends on the number of eligible children you have: 

If a survivor's pension is being paid to your husband, wife, civil partner or nominated co-habiting partner, one child would receive 1/320th of your final pay times the membership your pension is based on, while two or more children would receive 1/160th shared equally between them.

If there is no survivor's pension being paid to your husband's, wife's, civil partner's or nominated co-habiting partner's, one child would receive 1/240th of your final pay times the membership your pension is based on, while two or more children would receive 1/120th shared equally between them.

 

Link to Scottish Government Website