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Benefits payable on death

In the event of your death, a lump sum payment may be made to your dependants.
 

Officer pension statement

The scheme provides a lump sum on death and pension benefits to your dependants in the event of your death.

The benefits payable will depend on your circumstances at the time of your death.

A lump sum on death is a normally tax free sum of money that:

  • is payable after your death while still an active scheme member
  • may be payable after death in retirement if you have been in receipt of your pension for less than five years

A lump sum on death goes to the organisation or one or more persons you have nominated to receive it.

If you have not made such a nomination, the lump sum on death goes to your

  • surviving spouse
  • civil partner
  • qualifying nominated partner, if you have one

Otherwise, it goes to your legal personal representative.

We base the lump sum on death on your current circumstances.

If you're a current contributing member

This illustration’s been calculated as follows:

2 x actual pay* (*pensionable pay - 1995 section, or reckonable pay - 2008 section)

In the 2015 scheme, the higher of:

  • 2 x relevant earnings in the last 12 months of pensionable membership
  • 2 x revalued pensionable earnings for the scheme year, up to 10 years earlier, with highest revalued pensionable earnings

If you're a deferred member

This illustration’s been calculated as follows:

  • 3 x annual pension (1995 section)
  • 2.25 x annual pension (2008 section)
  • 2.025 x annual pension that the member would have received if they retired on the date of death (2015 scheme)

Benefits payable will depend on the circumstances at the time of your death.

They might change depending on whether you're a contributing or a former member of the NHS Pension Scheme.

Any lump sum on death, that may be payable after death in retirement, will be less.

Find out more about benefits payable on death in the family and your pension section of our NHS Pensions website.

An adult dependant's pension may go to your surviving partner. This pension is payable for the life of your surviving partner. The rate of pension depends on your circumstances at the time of your death.

A children's pension may also go to each of your dependant children up to their 23rd birthday.

Find out more about the life assurance benefits, provided by us in the member guides which are available on the NHS Pensions website.


Practitioner pension statement

 After your death, we provide your dependants with:

  • a life assurance lump sum
  • pension benefits

The benefits payable will depend on your circumstances at the time of your death.

A life assurance lump sum is a normally tax free sum of money that:

  • is payable after your death while still an active scheme member
  • may be payable after death in retirement if you have been in receipt of your pension for less than five years

A life assurance lump sum goes to the organisation or one or more persons you nominated to receive it.

If you have not made such a nomination, the life assurance lump sum goes to your

  • surviving spouse
  • civil partner
  • qualifying nominated partner, if you have one

Otherwise, it goes to your legal personal representative.

We base the life assurance lump sum on your current circumstances.

If you're a current contributing member

This illustration’s been calculated as follows:

2 x actual pay* (*pensionable pay - 1995 section, or reckonable pay - 2008 section)

In the 2015 scheme, the higher of:

  • 2 x relevant earnings in the last 12 months of pensionable membership
  • 2 x revalued pensionable earnings for the scheme year, up to 10 years earlier, with highest revalued pensionable earnings

If you're a deferred member

This illustration’s been calculated as follows:

  • 3 x annual pension (1995 section)
  • 2.25 x annual pension (2008 section)
  • 2.025 x annual pension that the member would have received if they retired on the date of death (2015 scheme)

Benefits payable will depend on the circumstances at the time of your death.

They may change depending on whether you are a contributing or a former member of the NHS Pension Scheme.

Any life assurance lump sum, that may be payable after death in retirement, will be less.

Find out more about benefits payable on death in the family and your pension section of our NHS Pensions website.

A pension may also go to your surviving partner. This pension is payable for the life of your surviving partner. The rate of survivor pension depends on your circumstances at the time of your death.

A child allowance may go to each of your dependent children up to their 23rd birthday.

Find out more about the life assurance benefits, provided by us in the member guides which are available on the NHS Pensions website.