Survivor benefits

If you are legally married or in a registered civil partnership and die, your surviving spouse or civil partner is automatically entitled to a pension, which is payable for the rest of their life. The exact level of benefit payable will depend on whether you are still contributing to the scheme or if you have left employment and when you were married or registered the civil partnership.

Active members

If you are still employed and are contributing to the scheme, any benefit payable to a legal spouse or civil partner would be based on the total of:

Membership before 31 March 2014

1/160 x total membership (pro rated for part time service) x final pay (whole time equivalent)

Membership after 1 April 2014

1/160 x actual pensionable pay for each year to the date of death. 

Plus

1/160 x assumed pensionable pay for each year to the date of death and your normal pension age (state pension age, 65 or later)

Deferred members

If your are receipt of a pension, any benefit payable to a legal spouse or civil partner would be based on the total of: 

Membership before 31 March 2014

1/160 x total membership (pro rated for part time service) x final pay (whole time equivalent)

Please note: If you are married or registered a civil partnership before you left, this period of membership is unrestricted, but if you married or registered a civil partnership after you left, this period of membership is restricted to membership after 6 April 1978 for a male member with a female survivor, or membership after 6 April 1988 for a female member with a male survivor, or any member with a same-sex survivor.

Membership after 1 April 2014

1/160 x actual pensionable pay for each year to the date of leaving.

Cohabiting partner pensions

The benefit is only available to those people who were employed and contributing to the LGPS after 1 April 2008. While there is no legal requirement to complete a nomination of cohabiting partner form, is is easier for us to award a pension if a form is completed. 

If you do not have access to a printer you can contact us to request a form to be sent through the post. You can cancel or replace a nomination at any time. 

Conditions to meet

There are 4 conditions to meet for a cohabiting partner's pension to be paid in the event of your death, these must be proved to Staffordshire Pension Fund by your partner after your death and they must have been met for a period of at least 2 years prior to the date of death. These conditions are:

  • you are not married or in a registered civil partnership, but are living with someone as if you are
     
  • you are both free to marry or enter civil partnership (i.e. you are not married to or in a civil partnership with someone else, but have not yet divorced or dissolved the civil partnership)
     
  • neither of you are living with another person as if you are married or in a registered civil partnership
     
  • you and your partner are financially interdependent on each other, or your partner is financially dependent on you

The exact level of benefit payable will depend on whether you are still contributing to the scheme or if you have left employment.

To prove the last condition, your partner will have to provide details covering at least 2 years prior to your death to show financial dependency or interdependency. This could include copies of statements for joint bank accounts, mortgage statements, bills etc.