Life Cover

If you die in service as a member of the Scheme the benefits shown below are payable.

 
• A widow’s, widower’s, civil partner’s or, subject to the certain qualifying conditions, a nominated co-habiting partner’s pension equal to 1/160th of your final pay times the total membership you would have built up in the scheme to age 65. 

• Pensions for eligible children

• A lump sum death grant of three times your career average pay. 

If you die after retiring on pension, the benefits below are payable.

 
• A widow’s, widower’s, civil partner’s or, subject to the certain qualifying conditions, a nominated co-habiting partner’s pension and pensions for eligible children. 

• A death grant is payable if your pension has been in payment for less than 10 years and you are under age 75 at the date of death. The death grant is the balance of the pension which would have been payable for ten years and this amount is paid as a lump sum.

Death Grant Expression of Wish Form

The Scheme allows you to say who you would like any death grant to be paid to by completing a death grant expression of wish form. All members are strongly advised to complete this form and to ensure that it is kept up to date. A new form must be completed if marital or partnership circumstances change. Click here to download a copy of the form.

It should be noted that under the regulations, the Committee retains absolute discretion when deciding who to pay any death grant to, although it will of course take any expression of wish into account. This discretion enables the death grant normally to be paid free of inheritance tax.

Nomination of Cohabiting Partner Form

 
To nominate a cohabiting partner your relationship has to meet certain conditions laid down by the Scheme. Click here to view these conditions and download a copy of the form.