Death in retirement
Within five years after retirement (or drawing your pension)
If you die within five years of your pension starting a lump sum will be paid to your Spouse or Civil Partner or other beneficiaries. It will be equal to the further instalments of pension (excluding any pension increases) that would have been payable if you had survived until the end of the five year period.
In addition, the Spouse or Civil Partner will receive a continuing pension. This is normally equal to one half the pension that you received at the time of your death. It may be lower because you chose to contribute for lower benefits.
If there is no Spouse or Civil Partner, the Trustee has discretion to pay an Adult Dependant's pension on the same terms.
Children's pensions may also be payable.
A member’s Spouse's or Civil Partner’s pension built up after 5 April 2009 will be reduced from the Spouse’s or Civil Partner’s State Pension Offset Age (normally the age at which the State pension would be paid to the Spouse/Civil Partner) by half the member’s State Pension Offset.
After five years of retirement (or drawing your pension)
If you die after five years of your pension starting, your Spouse/Civil Partner/Adult Dependant will receive a pension equal to your pension 91 days after your death. After that period, the pension will reduce to one half of your pension. It may be less if you have not made contributions to increase those benefits in respect of service before 1 June 1972. A Spouse/Civil Partner/Adult Dependant's pension will be payable for life.
A member’s Spouse's/Civil Partner’s/Adult Dependant's pension built up after 5 April 2009 will be reduced from the Spouse’s/Civil Partner’s/Adult Dependant's State Pension Offset Age (normally the age at which the State pension would be paid to the Spouse/Civil Partner/Adult Dependant) by half the member’s State Pension Offset.
If you die whilst in receipt of a pension, and you leave a Dependent Child or Children, a pension will be payable for that child or those children. The amount of the pension will depend on the number of eligible children and whether there is a surviving Spouse/Civil Partner/Adult Dependant.
If there is only one Dependent Child, the children’s pension will be one quarter of the member’s pension. If there are two or more Dependent Children, the Children’s total pension will be one half of the member’s pension.
If there is no surviving Spouse/Civil Partner/Adult Dependant or if the Spouse/Civil Partner/Adult dependant dies, the Children’s pension will be one third of the member’s pension for one Dependent Child, and two thirds for two for more Dependent Children.
Children’s pensions normally stop when the child reaches age 17, or 23 if in full time education.
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