Survivor Benefits

If you have left employment with deferred benefits and die before receiving them, the survivor benefits payable depend upon whether you left employment with a right to deferred benefits before or after 1 April 2008. 

  • A Surviving Spouse’s Pension 

Regardless of when you left, a pension will be paid to your surviving widow or widower as follows:

  • Widow 

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

If you have married after leaving the employment, a surviving widow’s pension is based on membership after 5 April 1978. 

  • Widower 

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

If you have married after leaving the employment, a surviving widower’s pension is based on membership after 5 April 1988. 

  • Surviving Registered Civil Partner 

If you are survived by a registered Civil Partner, the amount of survivor’s benefit payable depends on when you left the employment.

  • If you left on or before 31 March 2008

Your surviving registered civil partner’s pension will be calculated as follows:

1/160th x your final pay x your membership from 6 April 1988 to date of leaving 

  • If you left on or after 1 April 2008

Your surviving registered partner’s pension will be calculated as follows:

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

If you have registered after leaving the employment, the surviving registered civil partner’s pension is based on membership after 5 April 1988. 

  • Surviving Nominated Cohabiting Partner 

If you are survived by a nominated cohabiting partner, the amount of survivor’s benefit payable depends on when you left the employment.

  • If you left on or before 31 March 2008

You are not eligible to nominate a co-habiting partner to receive a survivor’s pension.

  • If you left on or after 1 April 2008

A survivor’s pension will be paid provided you have nominated your partner to receive a pension.  

Both you and your partner have to sign a Co-habiting Partner form confirming that certain criteria have been met.

The pension will be calculated as follows:

1/160 x your final pay x membership from 6 April 1988 to date of leaving (plus any membership before 6 April 1988 that you opted to pay additional contributions for)