If you die before you take your deferred benefits, the Scheme makes sure that your survivors are supported. The benefits are based on your final pay and the membership you had built up on the day you left the Scheme.
If you die before you have taken your deferred benefits, your next-of-kin may be entitled to a lump sum death grant.
If you left before 1 April 2008, a lump sum of 3 times your deferred pension is paid.
If you left on or after 1 April 2008, a lump sum of 5 times your deferred pension is paid.
You can tell us who you would like the lump sum death grant paid to by using the Expression of Wish form in the 'Resources' section.
We make the final decision on who to pay the lump sum to. Before we make any decision, we will consider any wishes you have expressed, but are not bound by this.
If you die before you take your deferred benefits, we will pay a pension to your husband/wife or your civil partner or your cohabiting partner and your dependent children.
If you would like benefits to be paid to a cohabiting partner they will need to meet certain criteria.
Children's pensions are payable to any eligible dependent children you may have when you die.
Please contact us if you want to know more.
1/160th of your pensionable pay multiplied by the total membership built up at your date of leaving.
Only your membership from 6 April 1988 is used for cohabiting partners, although you do have the option to pay additional survivor benefit contributions (ASBCs) to extend this cover to include earlier periods of membership in the Scheme.
Please note that if there is more than one dependent child they will share the pension equally.
1/320 of your pensionable pay multiplied by the total membership built up at your date of leaving.
1/240 of your pensionable pay multiplied by the total membership built up at your date of leaving.
1/160 of your pensionable pay multiplied by the total membership built up at your date of leaving.
1/120 of your pensionable pay multiplied by the total membership built up at your date of leaving.