The LGPS provides valuable life cover and financial protection for your family. This section looks at the benefits that would be payable if you were to die whilst in service.
Details of the benefits that would be payable if you were to die after leaving the scheme can be found in the section for members who have already left or retired.
Lump sum death grant
If you die in service as a member of the LGPS a lump sum death grant of three times your assumed pensionable pay at your date of death is paid, no matter how long you have been a member of the LGPS, provided you are under age 75 at the date of death.
If you also have a deferred benefit and/or a pension in payment from a previous period of membership of the LGPS, the lump sum death grant that will be payable is the greater of:
- the total of any lump sum death grants payable from the deferred and/or pensions in payment
- three times your assumed pensionable pay at your date of death i.e. the death in service grant
Where an independent registered medical practitioner certifies that, during the period used to determine assumed pensionable pay, you were working reduced contractual hours because of the ill-health which led to death in service, the assumed pensionable pay is calculated on the pay you would have received during that period had you not been working reduced contractual hours.
If you pay Additional Voluntary Contributions (AVCs) arranged through the LGPS (in-house AVCs), the value of your AVC fund is also payable, as is any extra life cover.
Survivor benefits
An ongoing pension is provided for your spouse, registered civil partner or, subject to certain qualifying conditions, your eligible cohabiting partner and to your eligible children.
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