Death benefits - left early
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 after leaving LGPS but before you draw your pension benefits i.e. you hold a deferred benefit in the LGPS.
The benefits that may be payable depend on when you left the LGPS and are set out below:
Lump sum death grant
If you left the LGPS on or after 1 April 2008
A lump sum of 5 times your deferred annual pension will be payable.
If you left the LGPS before 1 April 2008
A lump sum of 3 times your deferred annual pension will be payable.
However, if you left with deferred benefits and die before receiving them and you are also an active member of the LGPS when you die, the death grant payable is the higher of:
- A lump sum death grant of 5 times (or, if you left before 1 April 2008, 3 times) your deferred annual pension, or
- three times your assumed pensionable pay in your active employment
If you hold more than one deferred benefit in the LGPS (provided you are not also an active member of the LGPS when you die) a death grant will be payable from each deferred benefit, calculated as above.
If you paid Additional Voluntary Contributions (AVCs) arranged through the LGPS (in-house AVCs), the value of your AVC fund is also payable.
A pension is provided for your spouse, registered civil partner or, subject to certain qualifying conditions, your eligible cohabiting partner (if you were a member of the LGPS on or after 1 April 2008) and to your eligible children. For more information about the benefits payable use the find out more buttons on the right hand side of this page.