Lump Sum Death Grant - Who would we make payment to?
The LGPS regulations do not specify who a lump sum is paid to on death, and the lump sum does not form part of your estate even if you have a will. By completing a nomination form you can help us pay any lump sum quickly in line with your wishes. Your current nomination is shown on your pension update.
Remember to update it if your circumstances change or have already changed. You can change your nomination using SPFOnline or the nomination form which is available from the Member Forms area of our website.
How much?
If you left service before 1 April 2009 and die before we start to pay your deferred benefits, we will pay a lump sum, equal to three times your deferred pension.
If you left service after 31 March 2009, the lump sum is five times your deferred pension. If you are also an employee member of the LGPS in Scotland, the two death grants will not be added together. Only one death grant will be paid, and it will be whichever is higher.
Automatic Spouse's/Children's Pensions
There is no need to nominate your husband, wife, civil partner or dependent children for a pension payable on your death, but you should make a nomination for the lump sum.
Co-habiting Partners Pensions
If you are living with someone that you are not married to, we may pay a cohabiting partner's pension. At your date of death, you and your partner must have been free to marry or form a civil partnership. In addition your partner will need to provide evidence for at least 2 continuous years prior to your date of death that:
• You were living together as husband and wife or civil partners
• Your partner was financially dependent on you or you were financially interdependent
THE TYPES OF DOCUMENTARY EVIDENCE THAT WE WOULD ACCEPT ARE:
• Joint tenancy or mortgage arrangement
• Joint council tax bill
• Joint utilities
• Joint bank accounts or proof of a transfer of funds between your individual bank accounts
• Joint savings accounts or investments
• Joint credit arrangements
• You are the beneficiary of your partners will or life insurance
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