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Civil_Service_Pensions

Civil Service Pensions
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Death benefits

This section provides information on death benefits for the nuvos and partnership schemes:

nuvos

Does the scheme provide me with life assurance while I am in service?

If you die while you are in service, under nuvos we may pay a lump sum to a beneficiary or beneficiaries that you have nominated. The lump sum is usually worked out as the better of two times your pensionable pay (less any lump sums already paid) and five times the pension you have built up (less pension already paid). “Pensionable pay” for these purposes will be your best year’s pensionable earnings going back over the last 10 years of your current period of service.

Under nuvos we may pay a pension to your husband, wife, or eligible unmarried partner and dependant children. For more information, see partners.

If I die after I leave my scheme but before my pension payments start what happens?

Under nuvos we may pay your beneficiary or beneficiaries a lump sum of 5 times your preserved pension.

If I die after I become a pensioner what happens?

nuvos will make a payment if you die within 5 years of drawing your pension. This is worked out as the balance of 5 years of pension.

What is a beneficiary and how do I nominate one?

Your beneficiaries are the people you want to receive any lump sum we pay when you die. You may want to nominate a single beneficiary – for example your husband, wife, civil partner or partner.

Alternatively, you may prefer us to divide your lump sum up, for example, among your children.

On the other hand, you might want to nominate your solicitor and give them instructions on what to do with the lump sum.

You can nominate your beneficiaries on your PensionChoices application form in the PensionChoices: nuvos or partnership booklet or using the form Death Benefit nomination for classic plus, nuvos, premium and partnership. You need to have the form witnessed by someone who you haven’t nominated as a beneficiary.

You should be aware that if you have named your husband, wife or civil partner and your marriage or civil partnership ends, that nomination would end as well.

We recommend that you review your beneficiaries regularly, particularly when your personal circumstances change.

What happens if I do not nominate a beneficiary?

We may pay any lump sum into your estate if you die without nominating a beneficiary, or, if your nomination has ended or turns out to be invalid.

partnership

Does the scheme provide me with life assurance while I am in service?

If you die while you are in service, we may pay a lump sum to a beneficiary or beneficiaries that you have nominated. The lump sum is usually worked out as 3 times your pensionable earnings. However, if you work part-time the lump sum is based on your part-time pensionable earnings rather than the full-time rate.

Your pension provider will also pay your pension pot to your dependants as a cash lump sum.

Can I say who gets any benefits payable on my death?

Yes. You need to make separate nominations for the following:

You might want to nominate the same person (or people) for both death benefits or you could make different nominations. You tell your partnership pension provider who you want to receive your pension pot, and your pension’s administrator who you want to receive any other death benefits. Ask them for the appropriate form.

What happens if I do not nominate anyone?

It is likely that any benefits will be paid into your estate.