If you die in service as a member of the LGPS a lump sum death grant of at least three times your assumed pensionable pay at your date of death is paid, no matter how long you have been a member of the LGPS, provided you are under age 75 at the date of death.
The assumed pensionable pay for these purposes is calculated as the average of the pensionable pay you received for the 12 weeks (or 3 months if monthly paid) before you died in service or before you left employment due to ill-health retirement. In calculating the average, any reduction due to authorised leave of absence or due to a trade dispute is ignored. Also, where an independent registered medical practitioner certifies that, during the period used to determine assumed pensionable pay, you were working reduced contractual hours because of the ill-health which led to your retirement or death in service, the assumed pensionable pay is to be calculated on the pay you would have received during that period had you not been working reduced contractual hours. The resulting figure is then grossed up to an annual figure.
If you have a deferred benefit and/or a pension in payment from a previous period of membership of the scheme, and the death grant payable in respect of one of those benefits is greater the death grant from those benefits would be payable instead.
If you pay Additional Voluntary Contributions (AVCs) arranged through the LGPS (in-house AVCs), the value of your AVC fund is also payable, as is any extra life cover.
ERPF has absolute discretion over who receives any lump sum death grant however, the LGPS allows you to express your wish as to who you would like any death grant to be paid to by completing and returning the Death Grant Expression of Wish form, which will need printing and signing physically:
Alternatively, you are able to update your nominated beneficiaries yourself through our new self-service website, ERPFMSS. For more information on how to sign-up to this, please visit Introducing ERPFMSS.
The Prudential allow you to pay Additional Voluntary Contributions (AVCs) for the purpose of purchasing additional life cover under the scheme. Further details are available from Prudential by visiting their website:
You may wish to seek Independent Financial Advice before purchasing Life Cover benefits.
An ongoing pension is provided for your spouse, registered civil partner or, subject to certain qualifying conditions, your eligible cohabiting partner. This pension is payable immediately after your death for the rest of their life and will increase every year in line with the cost of living.
Eligible children will receive a pension that will increase every year in line with the cost of living.
The amount of pension depends on the number of eligible children you have and whether a survivor’s pension is being paid to your spouse, civil partner or eligible cohabiting partner.