Teachers' Pensions
Family benefits

Family benefits

After you die, the Teachers' Pension Scheme can provide benefits for your loved ones. Find out more here.

  • What are Family benefits?

    In the event of your death a pension is payable to your beneficiaries. In the career average arrangement, an enhancement is applied if you die in service. For further details on family benefits please check the Life events section of our website.

  • Will benefits be paid to my dependants after I die?

    For male members of the Scheme who are married, or male and female members who are in a civil partnership or a same sex marriage, pensionable service from 01.04.1972 will be used in the  calculation of death benefits for your family.  However, if you married or entered a civil partnership after leaving pensionable service, only service from 06.04.1978 can be used.

    For female members in an opposite sex marriage, only pensionable service from 06.04.1988 will be used in the calculation of death benefits.

    For qualifying partners, as long as you have completed 2 or more years of pensionable service after 01.01.2007, all service from 01.01.2007 will count towards the calculation of death benefits.

  • What is a death grant?

    The in-service death grant is the payment made in the event you die while still in-service, i.e. an active member paying contributions to the Scheme. Remember, if you enter a period of non-pensionable sick leave (because you receive less than half your usual pay) you are no longer in active pensionable service. An in-service death grant may still be payable if you die within 12 months of leaving pensionable service as a result of being incapacitated.

    How much is the in-service death grant?

    If you’re in the Career Average arrangement it’s three times your annual rate of pensionable earnings, but if you’re employed on a part-time or irregular basis this is assessed as if you were full-time. If you’re in the Final Salary arrangement it’s three times the full-time equivalent pensionable salary. If you die while in additional service after retirement (ASAR) any previous lump sum benefit payment will be offset from the grant.

    The in-service death grant is payable during periods of family leave covered by part-salary and / or statutory benefits, or a period of non-pensionable family leave that follows immediately on from a period of pensionable service. It’s also payable during: periods of absence due to illness as long as you’re receiving at least half pay; you were an active member called up for duty in Her Majesty's armed forces and made an election to treat the period as pensionable service; or you die within 12 months of leaving all pensionable employment due to incapacity; (or a retirement pension other than a phased retirement pension hasn't become payable in relation to that service prior to your death).

    If you don’t qualify for an in-service death grant Otherwise an out-of-service death grant is may be payable, which is based on 2.25 times the value of your annual pension, had you been eligible to receive it.

    If you had met the entitlement condition for a pension at the time of your death, but had not applied for it, a supplementary death grant may be payable in respect of that service. The supplementary death grant is five times the annual rate of retirement pension payable as at the date of death.

    Please ensure you review your nomination regularly to ensure it reflects your wishes.

    To be extra confident and reassured you might like to make a new death grant nomination via My Pension Online.

  • I've started receiving my pension, what can my spouse expect to receive when I die?

    You can find the value of your family benefits on your award papers. You can access these at any time by logging into your My Pension Online account.

  • If I’ve already retired and I am living with my partner, will they receive a pension?

    If you’re co-habiting with a partner (not married or in a civil partnership) they may receive a survivor’s pension, but you must have been in pensionable service since 1 January 2007 and either completed a minimum of 2 years’ service from 1 January 2007 or paid additional contributions to cover a minimum of 2 years’ of previous service for family benefits. If you are still in pensionable service you can cover previous teaching service within six months of nominating your partner for family benefits by paying extra contributions. If you retired before 1 January 2007 and have not completed any pensionable service since, your partner will not be eligible to receive a survivor’s pension. In order to be a qualifying unmarried partner there are certain conditions that must be met at the time of your death.

  • I’m not married and live with my partner. Can I provide benefits for them?

    Yes, if you are co-habiting with a partner they may qualify for benefits if you have 2 or more years of pensionable service after 1 January 2007 and certain criteria are met. You can tell us about your partner by completing a nomination form, which provides details of the criteria. If you are still in pensionable service you can cover previous teaching service within six months of nominating your partner for family benefits by paying extra contributions.

  • If I remarry enter into a civil partnership or co-habit with a partner after I retire, will a pension be paid to my dependants after I die?

    The table below sets out the benefits payable depending upon your individual circumstances.

    Spouses

    If you are married or have registered a civil partnership all your service from 6 April 1988 automatically counts for family benefits. You can purchase service that was completed before April 1988 but that must be within six months of getting married or registering a civil partnership, for the first time.

    If you are a male teacher married to a female your service will count from 1 April 1972 for family benefits.

    Civil Partners If you register a civil partnership after leaving pensionable employment, only service from 6.4.88 counts towards the pension, regardless of whether pre '88 service has been purchased.
    Qualifying
    Unmarried Partners
     
    Yes, if you are co-habiting with a partner they may qualify for benefits if you have 2 or more years of pensionable service after 1 January 2007 and certain criteria are met. If you left pensionable employment before 1.1.07 a survivors pension will not be payable.
    Nominated Partners

    You can't cover previous service after retiring unless you return to pensionable teaching employment. 

  • What death benefits are paid while drawing Phased Retirement?

    If you’re in pensionable employment, what your beneficiaries receive will depend on which scheme arrangement you were in at the time of your death.

    If you’re in pensionable service in the final salary arrangement then the death grant will be three times your average salary, less any lump sum paid when you took your phased benefits. If you’re in pensionable service in the career average arrangement it will be three times your final full-time equivalent salary at the time of your death.

    Under both arrangements, if you die within five years of drawing Phased Retirements, your beneficiaries will also receive a lump sum of five years pension, less any pension paid.

  • At what age will a child’s pension cease?

    The rules on the continuation of a child’s pension differ slightly depending on whether the member was in receipt of a pension before 6 April 2006 or not.

    If the member was receiving a pension prior to 6 April 2006, the child’s pension will continue until they are 17 or until they leave full-time education.

    If the member’s pension came into payment after 5 April 2006, the child will continue to receive a pension until age 17 unless they continue in full-time education up to a maximum age of 23. In all cases, if the child marries, takes up employment or dies, the pension will cease.

  • How long will an adult dependant’s pension be paid?

    If the member had pensionable employment on or after 1 January 2007 then the adult dependant’s pension will be paid for life. If the member had no pensionable employment on or after 1 January 2007, the pension will cease if the adult dependant remarries, enters a civil partnership or cohabits. The dependant’s pension will always cease when the dependant dies.

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