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Death Benefits




What benefits will be paid if I die?
Who do you pay the death grant lump sum to?
What benefits will be paid if I die with deferred benefits?
If I died, would you pay a pension to my children?


What benefits will be paid if I die?
If you die in service as a member of the LGPS, subject to the certain qualifying conditions, these benefits are payable:
A widow’s, widower’s, civil or cohabiting partner’s pension* equal to 37.5% of the pension you would have received if you had retired on serious ill health grounds  
*What defines a Cohabiting Partner?  A scheme member can only provide benefits for a co-habiting partner provided they paid into the scheme on or after 1.4.2008.
Cohabiting partner means a person whom Leicestershire County Council Pension Fund is satisfied fulfils the following conditions:
The person (P) has fulfilled the conditions below for a continuous period of at least 2 years on the date the member (M) died
The conditions are:
M is able to marry, or form a civil partnership with P
M and P are living together as if they were husband and wife or as if they were civil partners
Neither M nor P is living with a third person as if they were husband and wife or as if they were civil partners, and
Either P is financially dependent on M, or M and P are financially interdependent.
There are also pensions for eligible children
There is also a lump sum death grant of approximately 3 years pay.
Important note: If you have more than one LGPS pension, that is to say if you have separate benefits either within the Leicestershire Scheme or under another Local Authority, in the event of your death, only one Death Grant will be paid.  This will be the one that is the higher of the payments, once they have been calculated.
If you die after retiring and you are in receipt of your pension, a survivor's pension can also be paid to your spouse or nominated partner, subject to certain qualifying conditions.  A lump sum may be payable, depending on your age, when you left the scheme, and how long you have been drawing the pension for.


Who do you pay the death grant lump sum to?
We have the final discretion to decide who to pay, but we will always take into account your wishes by filling in a Death Grant Expression of Wish form (PDF, 858KB).  If you don’t nominate (or we are unable to follow your wishes) we might have to pay the lump sum to your estate.


What benefits will be paid if I die with deferred benefits?
Even if you left the scheme and have deferred benefits with us, you still have some lump sum cover, and pensions for dependents too, based on the amount of pensionable service you built up before you left the scheme.


If I died, would you pay a pension to my children?
Yes, if your child is your own, adopted, or who depend on you financially.  They must normally be under 18, but can be as old as 23 if they carry on in full time education or in training for a trade, profession or vocation.  The pension may also cover some adult children who cannot work because of a disability which arose while a child.



Page Last Updated: 3 April 2014