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Nilgosc


Widows' Pensions

If you die after retiring on pension your surviving widow is entitled to a widow's pension, however, the calculation will depend on the date you left the Scheme and whether the marriage took place before or after you left active membership of the Scheme.  If your pension is made up of several parts of membership the total pension payable is the sum of pension relating to each part.

Death of a male pensioner (retired after 31 March 2015)

A long-term widow’s pension is payable of:

  • Your accrued pension (including any pension given up for a tax-free cash lump sum) for membership in the Scheme after 31 March 2015 recalculated as if it had built up at a rate of 1/160th, PLUS
  • 49/160th of the amount of any pension credited to your pension account following a transfer in PLUS
  • 1/160th of your final pay x the period of membership in the Scheme up to 31 March 2015 upon which your pension is based

If marriage occurred after retiring the long-term widow's pension is calculated on your membership after 5 April 1978 only.


Death of a male pensioner (retired between 1 April 2009 and 31 March 2015)

A long-term widow’s pension is payable of:

1/160 x deceased’s final pay x deceased’s total membership

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


Death of a male pensioner (retired between 1 April 1972 to 31 March 2009)

A short-term pension is payable at the deceased member’s pension rate for three months from the date of death or for six months if eligible children are in the widow’s care. 

A long-term pension is payable, after the short-term pension ends, at:

½ x deceased’s pension

If marriage occurred after leaving, the long-term pension is calculated as:

½ x deceased’s pension in respect of post 5 April 1978 contracted-out membership only


Death of a male pensioner (retired before 1 April 1972)

The widow’s pension is:

1/3 x deceased’s pension

Back to Pensioner Death Benefits