Reforms in April 2016 introduced the new State Pension. Most people reaching State Pension Age this year won’t be entitled to the full amount. How much will your State Pension be?
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If you die within 5 years of your pension starting the Trustee will pay a lump sum. It is worked out as the difference (if any) between five times your annual pension on the date you died and the total pension and lump sum payments you have already received.
In addition, your Spouse or Civil Partner will be entitled to a pension. This is usually 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. 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.
If you die after five years of your pension starting, your Spouse or Civil Partner will receive a pension equal to your pension for 91 days after your death. After that period, the pension will reduce to one half of your pension. A Spouse's or Civil Partner's pension will be payable for life. If there is no Spouse or Civil Partner, at the discretion of the Trustee, an Adult Dependant may be considered for a pension.
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 or Adult Dependant.
Children’s pensions normally stop when the child reaches age 17, or 23 if in full time education.
Please select from section A, B or C
For members who joined the Scheme before 1 December 1971
For members who joined the Scheme before 1 December 1971 and 31 March 1986
For members who joined the Scheme on or from 1 April 1986 but before the Scheme closed on 31 March 2001