If you die while a serving Officer, provided you were a member of the 2006 Scheme (and had not opted out) at the time of your death, a lump sum death grant of 3 times your annual pensionable pay at the time will be paid to:
- your spouse or civil partner, if you have one;
- if you have no spouse or civil partner, and at the discretion of the Police Force, to an unmarried partner (if all relevant documentation has been completed);
- if you have no spouse, civil partner or declared unmarried partner, and again at the discretion of the Police Force, to a person nominated by you;
- otherwise, to your personal representative - usually the Executor of your will, and thus will form part of your Estate.
Note that a death grant becomes payable irrespective of your length of service.
If you wish to nominate someone to receive your lump sum death grant you should complete a Death Grant Expression of Wish form. An Expression of Wish does not override the provision that the grant will go to a surviving spouse, civil partner or declared unmarried partner, if you have one, but it would take effect if you have no spouse or partner or if both you and your spouse or partner were to die at the same time.
Note that an Expression of Wish in respect of the lump sum death grant is not the same as an unmarried partner declaration. The Expression of Wish only relates to the payment of this grant.
If you work part-time, the lump sum will be 3 times your annual pensionable pay as a part-timer.
Tony's full time equivalent pay is £30,000 per year, but he works 32 hours a week, so his annual pensionable pay is £24,000 per year (32/40 x £30,000).
If he were to die in service whilst he is a member of the 2006 Scheme, the lump sum death grant payable in respect of his death would be £72,000 (3 x £24,000).
When you die, your ‘survivors’ (which can include your spouse or civil partner, a cohabiting partner who is not a civil partner and children) may be eligible to receive benefits from the 2006 Scheme. The benefits which may be payable will depend on whether you die in service or after you retire and on the length of your qualifying service at the date of your death. If you had opted out of the 2006 Scheme at the date of your death, any survivors’ benefits would be based on any deferred pension to which you were entitled at the time for more information about deferred pensions).
Adult survivors can include spouses, civil partners and cohabiting partners who are not civil partners. All adult survivor awards are payable for life, irrespective of whether the survivor remarries or forms a new partnership. .
If you die in service, and have at least 2 years’ qualifying service, your spouse or civil partner is entitled to a pension when you die. The pension payable is 50% of the ill-health pension that you would have received if you had been permanently disabled for regular employment at the time of your death.
If you die while you are receiving a pension, or if you die after you have left the Police Force with an entitlement to receive a deferred pension at age 65, or if you have opted out of the Scheme and are entitled to a deferred pension, but die in service, your spouse or civil partner is entitled to a pension if he or she is married to you or has formed a civil partnership with you when you die. The pension payable is 50% of your pension entitlement at the date of your death.
A cohabiting partner who is not a civil partner, is someone with whom you have a long term relationship but to whom you are not married (if you are of opposite sexes) or with whom you have not formed a civil partnership (if you are of the same sex).
If you have no spouse or civil partner, it may be possible for a survivor’s pension to be paid (for life) to your partner on the same basis as if he or she had been your spouse or civil partner, but this is not automatic. For a pension to be payable, it must be confirmed that for a period of at least 2 years:
- you have lived together for a period during which your partner has been financially dependent on you, or both of you have been financially interdependent;
- the relationship is a committed relationship intended to continue indefinitely;
- you are free to marry each other (if you and your partner are of opposite sexes) or free to form a civil partnership (if you are of the same sex) and neither of you is married or a civil partner or nominated as the partner of anyone else;
- you agree to inform the Police Force if the relationship ends.
For further information, please refer to the appropriate section of the Member Guide.
Nominate your Partner
If your spouse or civil partner is more than 12 years younger than you, his or her pension will be reduced to reflect the age difference. This reduction will be 2.5% for every year or part of a year over 12 years, up to a maximum reduction of 50%.
If you married or formed a civil partnership within the 6 months prior to your death, then the Police Force has discretion to withhold your spouse’s or partner’s pension.
If you die in service or when you are receiving a pension from 2006 Scheme, or after you have left the Police Force with an entitlement to receive a deferred pension, children’s’ pensions will be payable to:
- a child who is your natural child, stepchild or adopted child; or
- any other child who was dependent on you (either financially or by reason of disability) at the time of your death.
Benefits for surviving children extend to a posthumous child of the marriage or partnership if the child’s mother is pregnant with the child at the time of the Officer’s death, including the situation where the Officer is the mother and dies in childbirth.
The pension payable is generally 25% of the pension entitlement at the date of your death, but if there are more than two children, each receives an amount equivalent to 50% of the pension entitlement divided by the number of children. The pension entitlement for this purpose is on the same basis as for adult survivors:
- if you die in service, and have at least 2 years’ qualifying service, it is based on the ill-health pension that you would have received if you had been permanently disabled for regular employment at the time of your death;
- if you die while you are receiving a pension, or if you die after you have left the police service with an entitlement to receive a deferred pension at age 65, or if you have opted out of the Scheme and are entitled to a deferred pension, but die in service, it is based on your pension entitlement at the date of your death.
A survivor pension for a dependent child is only payable if the child is below the age of 19, unless:
- the child is in full time education on a course of at least one year’s duration, in which case the pension is payable whilst full time education continues but not beyond the child’s 23rd birthday;
- the child is permanently disabled at the date of your death, in which case the pension is payable for life.
A pension payable to a child who receives remuneration from training or employment in excess of a specified annual amount is reduced by the excess. If the excess is greater than or equal to the amount of the pension, then no pension is paid.