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Life cover - family protection for employees in England and Wales who left the LGPS with deferred benefits after 31 March 2008

If you left with deferred benefits after 31 March 2008 and die before receiving them, the following benefits are payable:

Lump sum death grant

Lump sum death grant of 5 times your deferred annual pension.  Have you completed an expression of wish form?

Survivor's pension

An ongoing pension for your husband, wife, registered civil partner or nominated co-habiting partner - which will increase every year in line with the cost of living. This pension is payable for the rest of their life.

Children's pensions 

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

The amount of pension depends on the number of children you have: 

The pension may be reduced if your child is receiving pay while in full-time training for a trade, profession or vocation.

If you paid extra

If you paid additional contributions to buy extra LGPS pension and you opted to pay for dependant's benefits when you took out your original contract, then extra benefits will be payable to your  husband, wife, civil partner or nominated co-habiting partner and eligible children