If you die in service as a member of the LGPS, subject to the qualifying conditions detailed, the benefits shown below are payable. If you attain age 65 and carry on working 'Click Here'.

• A lump sum death grant

For part-time employees, the final pay is not increased to its whole-time equivalent rate.

Should 3/80ths of your final pay multiplied by your total membership (as increased in accordance with the table shown 'Here') be greater, this will be paid instead.

• A widow's, widower's or civil partner's pension

If there are eligible children (any of whom are in the care of your widow, widower or civil partner) this pension is paid for six months. For part-time employees, the final pay is not increased to its whole-time equivalent rate.

If you should die in service having accrued three months total membership or if you have brought a transfer value into the LGPS, then the LGPS will also pay a long-term pension to your widow, widower or civil partner, commencing when the short-term pension ends.

For a widow whose husband had at least three months total membership, the long-term pension is generally half the pension her husband would have received if he had retired early due to ill health on the day he died.

Where the husband had less than three months total membership, it will be calculated as one 160th of his final pay for each year of total membership.

For a widower or civil partner, the long-term pension is calculated in the same way. However, only his wife's total membership from 6th April 1988 is used in the calculation, unless she opted for her membership before this date to count for widower's pension purposes. This however, is an employers’ discretion, they may chose to count all service in the calculation of widower’s benefits.

• Pensions for eligible children

Eligible children include the deceased member's legitimate, adopted or dependent children who are:

a) under age 17, or

b) under age 23 and, since before age 17, have been in full-time education or in training for a trade, profession or vocation, or

c) dependent by reason of incapacity which arose whilst a child within the definition in (a) or (b) above (but does not include children born 12 months or more after the member’s death).

The Clwyd Pension Fund may, if they wish, ignore a break in training or education. This is an administering authority discretion and each will be looked at individually.

A long term pension is payable at the rate of one quarter of your notional pension entitlement if there is one child or at the rate of one-half if there are two or more children.

If no widow's, widower's or civil partner's long-term pension is payable, the pension is payable at the rate of one-third where there is one eligible child and at the rate of two-thirds where there is more than one eligible child.

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

Your notional pension entitlement is calculated by reference to the lesser of the total membership you would otherwise have accrued by age 65, or 10 years.

If at the date of death you have already accrued five or more years total membership, the notional amount will, if higher,be calculated by reference to the total membership you would have if you had retired due to ill health.

Normally, payment of the children's long-term pension will commence when the widow's, widower's or civil partner’s short-term pension ceases.

If no widow's, widower's or civil partner’s short-term pension is payable, however, a children's short-term pension, equal to the amount that would have been paid to a widow, widower or civil partner, is paid for six months.

If the children are not in the care of the surviving spouse, a children's short term pension is paid for three months. In both cases, commencement of the children's long-term pension is normally deferred until the short-term pension ceases.

What benefits will be paid if I die after retiring on pension?

If you die after retiring on pension, your benefits will no longer be payable.

Your widow, widower, next-of-kin or person dealing with your Estate must immediately inform the Clwyd Pension Fund of your date of death as otherwise an overpayment could occur.

The following benefits may then be payable:

• A lump sum death grant

• A widow's, widower's or civil partner's pension

A widow will receive a short-term pension for the three months following her husband's death, or six months if one or more eligible dependent children are in her care.

This will be equal to the pension her husband was receiving or would have received had it not been paid as a lump sum due to exceptional ill health.

After that she will receive a long-term pension generally equal to half the pension he was receiving or would have received but for a reduction as a result of early retirement, or as a result of an exchange of pension for an increased lump sum where the exchange was made on or after 6 April 2006, or had his pension not been paid as a lump sum due to exceptional ill health.

A widower will receive a short and long-term pension in the same way as a widow, however the pension will be based on his wife's total membership from 6th April 1988 only, unless she had opted for her membership prior to 6th April 1988 to count for widower's pension purposes. This however, is an employers’ discretion, they may chose to count all service in the calculation of widower’s benefits.

• Pensions for eligible children

The pension is not calculated, however, against a notional entitlement. It is calculated instead against the pension you were receiving at the date of your death or would have received but for a reduction as a result of early retirement, or as a result of an exchange of pension for an increased lump sum where the exchange was made on or after 6 April 2006, or had it not been paid as a lump sum due to exceptional ill health.

If your pension was originally calculated on a total membership of less than the shorter of ten years or the amount you could have accrued had you continued working to age 65, this amount is used to increase your pension for the purpose of calculating the children's pension only.

Points to Note

• The Clwyd Pension Fund has the discretion to pay the lump sum death grant to your nominee or personal representatives or to any person who appears, at any time, to have been your relative or dependant.

If you have not already made your wishes known, or you wish to change a previous nomination, an expression of wish form is available by clicking ‘here’ or from the Clwyd Pension Fund directly.

• Your personal representatives will be required to determine whether, with the lump sum death grant, the capital value of your overall pension benefits (not including any spouse’s civil partner’s or dependant’s pensions) exceeds the lifetime allowance (or primary lifetime allowance protection if you have opted for it). Under HM Revenue and Custom rules, any excess will be subject to a recovery tax charge. Most scheme members pension savings will be significantly less than the lifetime allowance.

• If you die in service and are paying additional contributions to increase your membership, these will be deemed to be paid in full.
• Widows', widowers', civil partner's and children's pensions are increased each year in line with the Retail Prices Index regardless of age.
• Since 1st April 1998 widow's, widower's and civil partner's pensions are payable for life even if your widow, widower or civil partner remarries, enters into a new civil partnership or cohabits.

The Clwyd Pension Fund has the discretion to allow pensions to continue in payment where the remarriage, civil partnership or cohabitation commenced after 31st March 1998, but you ceased to be a contributing member of the Scheme earlier. This is an administering authority discretion; the Clwyd Pension Fund does allow pensions to continue.

• If you marry after retirement, a widow's pension based on your contracted-out membership after 5th April 1978, or a widower's pension based on your membership after 5th April 1988, will be payable (excluding additional membership purchased by you or granted to you by your employer or the Scheme). If you enter into a new civil partnership after retirement a civil partner's pension based on your total membership after 5 April 1998 will be payable.
• Under the LGPS, a widow's pension must not be less than half your GMP, and a widower's or civil partner's pension not less than half your GMP accrued after 5th April 1988.
• If your pension benefits are subject to a Pension Sharing Order issued by the Court following a divorce or annulment of marriage or the making of an order for the dissolution or nullity of a civil partnership, or are subject to a qualifying agreement in Scotland, your benefits will be reduced in accordance with the Court Order or agreement. If you remarry or enter into a new civil partnership, any spouse's pension or civil partner’s pension payable following your death will also be reduced ('Click Here' for further details). Benefits payable to eligible children will not, however, be reduced because of a pension share.