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Death

USS and TPS information on death in service, and death after retirement.

'In service' includes periods of (paid and unpaid service in USS) sick leave, maternity leave, or statutory parental leave, periods when a member remains in pensionable service during a career break or secondment, and periods when because of age or length of service a scheme member is exempted or excluded from paying contributions.

Table: Death in serviceTeachers' Pension SchemeUniversities Superannuation Scheme
Lump sumA 'death grant' equal to three times final average salary will be paid to a nominated individual, or (if no nomination) to the surviving spouse, civil partner or nominated partner or into the estate if the member was single.A lump sum of least three times salary; is payable at the discretion of USS Ltd, but the member's wish will almost always be followed.
Pension for widow(er), civil partner or adult dependant
Note: full details of the benefits for civil partners from December 2005 are available from the schemes
A short-term pension approximately equal to the member's salary is payable for three months. After the period of short-term pension, the pension payable is 1/160 of the member's salary for each year of eligible service, plus the enhancement under the total incapacity benefit. If the member had less than two years' qualifying service, the pension is nil. Where there is no widow, widower, civil partner or nominated partner, the pension may be paid to an adult dependant relative.For the first three months a pension approximately equal to the member's salary is payable. Subsequently, the amount payable for life is based on 1/160th of pensionable salary for each year of service (up to 40) the member would have served by his/her 65th birthday. That pension is payable to any surviving spouse, except that if the member and his/her spouse were not at death living together as a married couple, part of the pension may be paid to another dependant adult instead. If there is no surviving spouse, an adult dependant may be paid at a rate up to the maximum a surviving spouse might have had.
Pension for eligible childrenHalf the spouse's pension or adult dependant's pension (mentioned above) while there is one such child, with payment beginning three months after the member's death; twice the amount if there are two or more eligible children. If there is no surviving spouse or adult dependant's pension a short-term pension approximately equal to the member's salary will be paid for six months followed by the pension as above.Pension, payable from the member's death, of three-quarters of a maximum surviving spouse's pension (mentioned above) while there is one eligible child, and twice that while there are two or more, except that if there is no pension for a surviving spouse or adult dependant those amounts will usually be 50% higher.


Further information:

Death after retirement

In USS the surviving spouse is entitled to at least half the member's pension.

A widow whose husband was in TPS will receive at least half his pension for each year of his service since 1972, whereas a widower whose wife was in TPS will receive at least half her pension for each year of her service since April 1988. If the marriage has occurred after retirement the widow will only receive pension back to 1978, the same for civil partners unless the individual opted to purchase all of their service for this purposes. A nominated partner will receive half of the pension from 1 January 2007 unless the member opted to purchase cover over all of their service.

To put benefits into payment schemes requires the death and marriage certificates and other information as directed by them.

Last updated: 27 April 2016