Teachers' Pensions
Death in service

Death in service

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If you die in service, your surviving spouse or civil partner will automatically receive your death grant unless you make a death grant nomination. You can nominate an unmarried partner or someone else of your choice regardless of their age and relationship to you. You’re not able to nominate a Trust or Charity for death grant nominations.

If you’re on sick leave please note that under the Scheme regulations you’ll only be treated as being in pensionable service while you receive at least half of your usual gross salary. Contributions are no longer deducted and pension benefits are not accrued. However, should you die within 12 months after leaving all pensionable service because you were incapacitated, an in-service death grant will be payable. After 12 months have elapsed an out-of-service death grant will be payable.

 It’s also worth noting that this assumes that you haven’t become entitled to Age retirement (i.e. attained Normal Pension Age while out of service), Ill-health or any other retirement type. The exception here is if you’ve taken Phased retirement, as a person remains in-pensionable service when taking Phased retirement.

If you die while in a period of additional service after retirement any lump sum previously paid to you as part of a teacher’s pension will be deducted from the amount of the death grant.

If you choose to nominate somebody to receive your death grant it's important to keep it up to date. You can nominate more than one person but if you want to do that you must tell us what proportion of the death grant you want each person to receive.

If there’s no adult beneficiary or death grant nomination at the time of your death, the grant will be paid to your estate.

Death grant for beneficiary or nominee

Once Teachers’ Pensions has received and processed the Death Benefits form a payment will be made to an adult beneficiary that is equivalent to three month’s salary. This will be backdated to the date of the teacher’s death. This payment is called a short term pension. After the short term pension ends a long term pension is put into payment.

If you’re in Career Average and die in service, a death grant of three times your final full-time equivalent salary (at your date of death) will be paid.

If you’re in Final Salary when you die then the death grant would be three times your final average salary.

There’s no minimum qualifying period for an in-service death grant. If you’ve nominated someone to receive a death grant and later marry or register a civil partnership that does not cancel your nomination. If you no longer want someone to receive the death grant you must revoke your nomination. It’s up to you to remember to keep your nomination up to date

Calculating long term pension

After the short term pension ends a long term pension is put into payment.

Final Salary arrangement

If you’re in the Final Salary arrangement the long-term pension for an adult survivor is 1/160 of the final average salary for each year of your survivor benefits service.

Career Average arrangement

If you’re in the Career Average arrangement and you die in service the long-term pension will be enhanced and it will be 37.5% of the career average pension you have earned up to the date of your death, plus the amount calculated by multiplying half of the prospective service by 1/57th of the annual rate of pensionable earnings as at the date of your death.  Prospective service is the period in years between the date of your death and your normal pension age.

Benefits in both arrangements

If you’ve benefits in both the Final Salary and the Career Average arrangement, a calculation will be made in respect of each arrangement and we’ll pay both as one combined pension.

If you die in service the long term pension will be enhanced but only on the pension arrangements you are in when you die.

If you’ve no more than two eligible children then they will each receive half of any adult survivor’s pension. If you’ve more than two eligible children they will each receive an amount equivalent to the adult survivor’s pension is divided by the number of eligible children.

Further information on retirement benefits can be found in the retirement section.

Last Updated: 13/08/2019 11:48

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