Survivor Benefits

When the Pension Section is notified of your death, they will write to your next of Kin to request a copy of the death certificate and any other relevant certificates to confirm entitlement to a Survivor’s Pension. 

When entitlement has been established and the relevant benefits calculated, the recipient will be informed in writing of the pension payable.  The pension commences the day after death. 

The survivor benefits payable depend upon whether you retired before or after 1 April 2008. 

Retired on or before 31 March 2008

Survivor’s Pension 

If you retired on or before 31 March 2008, a survivor’s pension is only payable in respect of a Spouse or Registered Civil Partner. Nominated Cohabiting Partner’s pensions were not introduced until 1 April 2008 and no pension is payable to a cohabiting partner if you retired before that date. 

The amount of pension will be different for widows, widowers, or registered civil partners, depending on when you retired and whether you were married or entered into your civil partnership before or after your retirement. 

Please note that if you are not survived by a widow, widower or registered civil partner, but are survived by an eligible child or children, they would become eligible for the short term pension.

Widow’s Pension 

If you married before you retired your wife can expect to receive the following widow’s pension upon your death: 

  •  A short-term pension equal to your pension, which will be payable for 3 months. If there are eligible, dependent children, this pension will be payable for 6 months. 
  • After 3 months/6 months, she will receive a long-term pension payable for the rest of her life, equal to half of your pension. 

If you married your wife after retirement, the widow’s short and long-term pension will be based upon the membership of the Scheme you built up from 6 April 1978. 

Widower’s Pension 

If you married before you retired your husband can expect to receive the following widower’s pension upon your death: 

  • If you retired between 6 April 1988 and 31 March 1998, he can expect to receive
    • A short-term pension payable for 3 months (extended to 6 months where a child’s pension is payable), equal to the pension based on any membership you built up from 6 April 1988. 
    • After 3 months/6 months he will receive a long-term pension payable for the rest of his life based upon half of the short-term pension. 
  • If you retired after 31 March 1998, the short and long-term pension will be based on any membership of the Scheme you built up from 1 April 1972.  

If you married your husband after retirement, the widower’s short and long-term pension will be based upon the membership of the Scheme you built up from 6 April 1988. 

Surviving Civil Partner 

If you are survived by a registered Civil Partner, the amount of survivor’s pension they can expect to receive in the event of your death is as follows: 

  • A short-term pension payable for 3 months (extended to 6 months where a child’s pension is payable), equal to the pension based on any membership you built up from 6 April 1988. 
  • After 3 months/6 months they will receive a long-term pension payable for the rest of their life based upon half of the short-term pension. 

Nominated Cohabiting Partner 

No cohabiting partners pension is payable 

Retired on or after 1 April 2008 

Survivor’s Pension 

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

Widow 

  •  1/160 x your final pay x the membership your pension is based on

If you marry after retiring, a surviving widow’s pension is based on membership built up from 6 April 1978. 

Widower 

  •  1/160 x your final pay x the membership your pension is based on

If you marry after retiring, a surviving widower’s pension is based on membership built up from 6 April 1988. 

Surviving Civil Partner 

The pension payable is calculated as follows:

  •  1/160 x your final pay x the membership your pension is based on. 

Nominated Cohabiting Partner 

The pension payable is calculated as follows:

  • 1/160th of final pay x the membership in the Scheme you built up from 6 April 1988 (plus any membership before 6 April 1988 that you opted to pay additional contributions for)

Additional Voluntary Contributions

If you are receiving an annuity from any of the in-house AVC providers (Equitable Life, Aegon Scottish Equitable or Prudential), that provider will also need to be notified of your death. If you elected to include a survivor’s provision from your AVC fund, the provider will arrange payment of a survivor’s annuity. 

Where a member was receiving additional pension as a result of paying ARCs, the Survivor’s Pension, if originally incorporated in to the contract, is paid at half of the rate of the member’s additional pension