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Deferred Members: Widows' Pensions

If a married male deferred member dies his surviving widow is entitled to a widow's pension but the calculation will depend on her late husband’s date of leaving the Scheme and whether the marriage took place before or after he left active membership of the Scheme.

A widow's pension could be made up of several parts in relation to her husbands different periods of membership.  The total pension payable is the sum of pension relating to each part.

Death of a male deferred member (left the Scheme after 31 March 2015)

Widow's pension = deceased accrued pension (including pensions increases) for membership in the Scheme after 31 March 2015 recalculated as if it had built up at a rate of 1/160th

Death of a male deferred member (left the Scheme between 1 April 2009 and 31 March 2015)

Widow's pension = 1/160 x deceased’s final pay x deceased’s total membership* between 1 April 2009 and 31 March 2015

If marriage occurred after leaving the long-term pension is calculated on the deceased’s post 5 April 1978 contracted-out membership only.

*plus pensions increases 



Death of a male deferred member (left the Scheme before 1 April 2009)

 Widow's pension = ½ x deceased deferred member’s retirement pension*

If marriage occurred after leaving, the widow’s pension is calculated as:
½ x deceased deferred member’s pension in respect of post 5 April 1978 contracted-out membership only*

*plus pensions increases