After you die

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Death in service

If you die during​ Reckonable Service, and you haven’t already taken any of your benefits, the following benefits will be paid - part from the RMPP and part from the RMSPS:

  • A lump sum: This is four times your​ pensionable salary when you die plus the actual value of your Cash Balance fund (i.e. not reduced to for early payment). If you leave a spouse, civil partner, child or other dependant, a further two times your pensionable salary is payable.
  • Dependants’ pensions: These are for a spouse or civil partner - or, if you’re not married or in a civil partnership, someone who was financially dependent on you. The pension is up to half of the pension you built up before 1 April 2018 (including revaluation since then). Pensions can also be paid to your children, usually until they turn 18.

It’s very important that you confirm who you would like to get any benefits when you die. There are different forms for you to fill in - these are to be found at the bottom of this page.

If you are already taking some of your benefits when you die, a lower amount may be payable.


Death in deferment

A Deferred member is someone who isn’t paying in to the RMPP any more, isn’t building up future benefits and isn’t yet taking any of their pension; sometimes known as a ‘Preserved member’. If you die as a Deferred member, the following benefits will be paid - part from the RMPP and part from the RMSPS.

A lump sum. This will be the higher of:

  • 1¼ times your pensionable salary at the date you became a Deferred member OR
  • Five times the annual rate of the Age60 and Age65 benefits that would have been payable to you (without any enhancement) at the date of your death. 

If you chose to pay the additional 0.2% contribution until 31 March 1999, the death benefit above will be compared to the following:

  • 3/80ths of your pensionable salary for each year (or part year) of reckonable service you completed before 1 April 1999 PLUS
  • Five times the annual rate of your Age60 benefits built up before 1 April 1999.

If this results in a higher amount, then this is what will be paid.

Irrespective of which of the above calculations results in the higher amount, the actual value of your Cash Balance fund (i.e. not reduced to for early payment) is payable.

Please note: if you were part-time, your pensionable salary for this purpose will not be uprated to the full-time equivalent.

A pension. This will be paid to your spouse or civil partner, and will be up to half the Age60 and Age65 benefits that you would have received when you became a deferred member, had you reached age 60 (for Age60 benefits) and age 65 (for Age65 benefits). There may be children’s pensions payable as well, usually until they turn 18.

If you are a Section B member and not married or in a civil partnership, a pension may be payable to someone who is financially dependent on you (such as a partner you live with).

It is very important that you tell us who you would like to get any benefits when you die. There are different forms for you to fill in - these are to be found at the bottom of this page.

If you’re already taking some of your benefits when you die, different amounts will be paid.


Death in retirement

If you die after you’ve started taking all your benefits, your widow, widower or civil partner will get a pension. If you’re not married or in a civil partnership, you can nominate someone who is financially dependent on you to receive the pension. And if you die within five years of starting to take your benefits, a lump sum is paid too.

It’s very important that you confirm who you would like to get any benefits when you die. There are different forms for you to fill in - these are to be found at the bottom of this page.

If you’re only taking some of your benefits when you die, different amounts will be paid.


Financial support for the people closest to you

You can nominate somebody to receive some benefits from the RMPP (and from the RMSPS) when you die. They could be eligible for a lump sum and/or a pension, depending on whether you die in service, after you have left work (but not taken your pension), or in retirement.

If you need to tell us about the death of someone who was a member of RMSPS or RMPP, please contact the​ Pensions Service Centre.