If you die while you are an active member (and your service was at least 12 months), a lump sum death grant of 3 times your annual Pensionable Earnings at the time of your death (Final Pay) will be paid:
- to your surviving spouse or civil partner;
- if you have no spouse or civil partner, at the discretion of the Police Force, to a declared partner;
- if you have no spouse, no civil partner and no declared partner, at the discretion of the Police Force, to a person nominated by you;
- otherwise, to your legal personal representative, usually the Executor of your Will, and it will thus form part of your Estate.
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 partner, if you have one, but it would take effect if you have no spouse, civil partner or declared partner or if you and your spouse, civil partner or declared partner were to die at the same time.
Note that an Expression of Wish for a lump sum death grant is not the same as a declared partner declaration. The Expression of Wish for a lump sum death grant only relates to the payment of that grant.
A part-time member of the Police Force dies while a member of the 2015 Scheme. When s/he died her/his current annual Pensionable Earnings was £8,400 per year and her/his full time equivalent pay was £21,000 per year.
The lump sum death grant payable in respect of her/his death would be £8,400 × 3 = £25,200.
When you die, your Survivors (which include your spouse, civil partner or a cohabiting partner) may be entitled to receive benefits. The benefits which may be payable will depend on:
- whether you die as an active member, a Deferred member or as a Pensioner,
- whether you die after you leave the Police Force or after you opt out; and
- the length of Qualifying Service at the date of your death.
If you have opted out or have left the Police Force at the date of your death, any survivors’ benefits would be based on any Deferred Pension to which you were entitled at the time.
Adult survivors can include spouses, civil partners and cohabiting partners who are not civil partners. Under the 2015 Scheme, all adult survivor pensions are payable for life, irrespective of whether the survivor remarries or forms a new partnership. If the adult survivor is also a member of the 2015 Scheme, he/she is still entitled to payment of an adult survivor’s benefit.
Your spouse or civil partner is entitled to a pension from the 2015 Scheme if you die whilst receiving a pension or with an entitlement to receive a Deferred Pension when you reach your State Pension Age (SPA). The pension payable generally is 50% of your pension entitlement at the date of your death.
If you die whilst an active member 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 medically unfit for regular employment at the time of your death.
A cohabiting partner is someone with whom you have a long term relationship, but to whom you are not married nor with whom you have formed a civil partnership. If this is the case, it may be possible for a survivor’s pension to be paid to them for life on the same basis as if s/he had been your spouse or civil partner, but this is not automatic. For a pension to be payable, you must confirm that all of the following applies:
- 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 an exclusive, committed long-term relationship.
- you are free to marry each other (or form a civil partnership with each other), and
- you agree to inform the Police Force if the relationship ends.
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 by which your spouse or civil partner is more than 12 years younger than you, up to a maximum reduction of 50%.
If you marry or form a civil partnership within the 6 months prior to the date of your death, the Police Force has the discretion to withhold the payment of the pension payable to your spouse or civil partner.
If you die whilst an active member with 2 years’qualifying service, receiving a pension or with an entitlement to receive a Deferred Pension when you reach your State Pension Age (SPA), a pension will be payable to any eligible child.
An eligible child is a child who is your natural child, stepchild or adopted child, and any other child who was substantially dependent on you (either financially or by reason of disability) at the time of your death.
Benefits for eligible children are payable to a posthumous child, if the child’s mother is pregnant with the child at the time of your death, including the situation where you are the mother, and you die in childbirth.
The pension payable to an eligible child is generally 25% of your pension entitlement at the date of your death, but if there are three or more eligible children, each receives an amount equivalent to 50% of your pension entitlement divided by the number of eligible children.
The pension entitlement for this purpose, is on the same basis as for adult survivors e.g. if you die whilst an active member and have at least 2 years’ qualifying service, it is 25% of the ill-health pension that you would have received if you had been permanently medically unfit for regular employment at the time of
A child only remains an eligible child until s/he reaches the age of 19, unless:
- s/he is in full-time education on a course of at least 1 year’s duration, in which case the pension is payable whilst full-time education continues but not beyond the child’s 23rd birthday; or
- s/he is unable to engage in regular employment due to physical or mental impairment which is likely to be permanent at the date of your death, in which case the pension is payable for life.
If you work part-time, the lump sum will be 3 times your annual Pensionable Earnings (Final Pay) paid to you for your part-time work.