LGPS - information for pensioners

If you are receiving your pension and have any queries regarding your tax code or tax deduction please contact the payroll team.

In the event of my death what benefits will be paid?

If all of your scheme membership was before 1 April 2008 -  five year pension guarantee.

In the event that you die within 5 years of retirement, a death grant would be payable consisting of the balance of 5 years pension. This means that if for example you died 3 years after retirement a death grant of 2 years pension would be payable.  Therefore it is important that you print, complete and return the death grant expression of wish form so that the council is aware of your wishes concerning who should receive this payment.

If you were an active member of the scheme after 31 March 2008 but retired before 1 April 2014 - ten year pension guarantee.

In the event that you die within 10 years of retirement, a death grant would be payable consisting of the balance of 10 years pension.  This means that if for example you died 3 years after retirement a death grant of 7 years pension would be payable.  Therefore it is important that you complete and return the death grant expression of wish form  so that the council is aware of your wishes concerning who should receive this payment.

If you were an active member of the scheme after 31 March 2014

In respect of pension based on Scheme membership to 31 March 2014, the balance of 10 years’ pension (after any commutation to lump sum) would be payable as a death grant.  This means that if for example you died 3 years after retirement a death grant of 7 years of your pre-2014 pension would be payable.

In respect of pension based on scheme membership from 1 April 2014, the death grant would be 10 times the pre-commutation pension, less any commuted lump sum and less the pension already paid. Therefore it is important that you complete and return the death grant expression of wish form so that the council is aware of your wishes concerning who should receive this payment. 

Widow's pension

If all your scheme membership was before 1 April 2008 

Your widow would be entitled to a widow's short term pension payable for 3 months at the rate of your pension in payment at the date of your death, followed by a widow's long term pension payable for life, at the rate of approximately half of your pension. However, special provisions apply in the case of post leaving marriages: in such cases the widow's pensions would be based on a proportion of your pension accrued in respect of any scheme membership you have after 5 April 1978.

Widower's or civil partner's pension

If all your scheme membership was before 1 April 2008 

Your widower would be entitled to a widower's short term pension payable for 3 months at the rate of your pension in payment at the date of your death, followed by a widower's long term pension payable for life, at the rate of approximately half of your pension that has accrued in respect of any scheme membership you have accrued from 1 April 1972, unless employment with the London Borough of Bromley commenced after 31 March 1998, in which case the widower's long-term pension is one-half of your pension based on service accrued after 5 April 1988. However, special provisions apply in the case of civil partnership and post leaving marriages: in such cases pensions would be a proportion of your pension accrued in respect of any scheme membership you have after 5 April 1988.

Widower's or civil partners or nominated co-habiting partners pension

If you were an active member of the scheme after 31 March 2008 

Your widow would be entitled to a widow's long term pension payable for life, at the rate of approximately 1/160th of your final pay multiplied by your period of scheme membership. However, special provisions apply in the case of post retirement marriages: in such cases the widow’s long term pension would be 1/160th of your final pay in respect of any scheme membership that you have after 6 April 1978. Your widower’s, civil partner’s or co-habiting partner’s long term pension would be 1/160th of your final pay in respect of any scheme membership that you have after 6 April 1988.