If you die with an entitlement to deferred benefits, there will be a death grant lump sum payable, and you may make an expression of wish regarding who you would like to receive this payment.
The amount of death grant payable depends on when you left the LGPS. If you left the scheme before 1 April 2008, the lump sum will be three times the amount of your annual pension. If you left the scheme on or after 1 April 2008, the lump sum will be five times the amount of your annual pension.
If you hold more than one deferred pension entitlement, there will be a death grant payable from each.
The 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.
If you have not already completed this form, or you wish to change your wishes then you can download the form below:
Unfortunately, the ERPF will only accept Expression of Wish forms with original signatures so this form cannot be completed online.
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.