Life cover - family protection

You want to know that your loved ones will always be looked after. The LGPS provides valuable protection for your dependants. 

If you die with deferred benefits in the LGPS, the following benefits are payable:

A lump sum death grant – the same as the current value of your deferred lump sum and will include any cost of living increases from your date of leaving to the date of your death. Have you completed an expression of wish form?

An ongoing pension for your husband, wife or civil partner – which will increase every year in line with the cost of living. In most cases, this pension is payable for the rest of their life.

Children’s pensions for your eligible children – these increase every year in line with the cost of living and are payable to eligible children.

Employees in England and Wales who left after 31 March 2008: if you die with deferred benefits in the LGPS, the benefits payable are different. 

Employees and councillors in Scotland who left after 31 March 2009: if you die with deferred benefits in the LGPS, the benefits payable are different.