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Death benefits

When you die, your survivors may be eligible to receive benefits from the Police Pension Scheme 2015 (PPS 2015). Survivors include your

  • spouse
  • civil partner
  • unmarried partner who meets certain criteria, and
  • children.

The benefits which may be payable depend on the length of your qualifying service at the date of your death. They also depend on whether you die:

  • in service
  • after you have left but before retirement
  • after you retire.

View further information in:

A lump sum death grant is not payable to pensioners or deferred pension members.

If you die while serving, provided you were a member of the Police Pension Scheme (PPS 2015) at the time of death (and had not opted out), a lump sum death grant of 3 times your annual pensionable earnings will be paid to:

  • your spouse or civil partner, if you have one
  • if you have no spouse or civil partner, and at the discretion of Kent Police, to a declared partner (if all relevant documentation has been completed)
  • if you have no spouse, civil partner or declared partner, and at the discretion of Kent Police, to a person nominated by you
  • otherwise, to your personal representative, usually the executor of your will and thus will form part of your estate.

If you wish to nominate someone to receive your lump sum death grant you should complete a Nomination or revocation of lump sum death grant form (PDF, 84.7 KB). A nomination does not override the provision that the grant will go to a surviving spouse, civil partner or declared partner, if you have one, but it would take effect if you have no spouse or partner or if both you and your spouse or partner were to die at the same time. We will acknowledge receipt of your nomination form.

If you work part time, the lump sum will be 3 times your annual pensionable earnings as a part-time officer.

Example
June's full time equivalent pay is £30,000 per year, but she serves half time and so her annual pensionable earnings are £15,000 per year.

If she were to die in service whilst she is a member of the PPS 2015, the lump sum death grant payable in respect of her death would be £45,000 (£15,000 x 3).

All adult survivor awards are payable for life, irrespective of whether the survivor remarries or forms a new partnership. If the adult survivor is also a member of Police Pension Scheme 2015 (PPS 2015) they are still eligible for an award.

Adult survivors can include:

A pension may be payable to your eligible children when you die.

An eligible child is:

  • a child who is your natural child, stepchild or adopted child, or
  • any other child who was dependent on you (either financially or by reason of disability) at the time of your death.

A survivor pension for a dependent child is only payable if the child is below the age of 19 unless:

  • the child is in full-time education on a course of at least 1 year's duration, in which case the pension is payable whilst full-time education continues but not beyond the child's 23rd birthday
  • the child is permanently disabled at the date of your death, in which case the pension is payable for life.

Calculation

The children's pension is generally 25% of your pension entitlement at the date of your death. If there are more than 2 children, 50% of your pension entitlement is divided by the number of children and each one received an amount.

If you die in service, and have at least 2 years qualifying service, your pension entitlement is based on the ill health pension that you would have received if you had been permanently disabled for regular employment at the time of your death. View further information in Ill health pension.

If you die in receipt of a PPS 2015 pension or if you have left the PPS 2015 with an entitlement to a deferred pension, the children's pension is based on your pension entitlement at the date of your death.

Example
Reg is in receipt of a PPS 2015 pension and has 3 dependent children under the age of 19. His pension is £18,000 per year.
If he were to die, each of his children would receive a pension of £3,000 per year.

Reviewal

Children's pensions are reviewed annually. We write to the next of kin to ask them to notify us of the child's working or educational situation. When the next of kin has responded we write to the Further Education establishment to confirm that the child is attending and then the children's pension can continue to be paid.

Death gratuity - estate

A gratuity may be granted to your estate if you die as a:

  • deferred member and the death is as a result of an injury received in the execution of duty
  • pensioner member and the death is as a result of an injury received in the execution of duty
  • a pensioner member within 2 years of becoming in receipt of your pension.

If the various death benefits payable under the PPS 2015 are less than the total of your own pension contributions, the balance of those contributions will be paid to your estate.

Death gratuity - dependant

Your dependant may be granted a gratuity If you die as a:

  • deferred member and your death is as a result of an injury received in the execution of duty
  • pensioner member and your death is as a result of an injury received in the execution of duty
  • pensioner member within 2 years of becoming in receipt of a pension.

The Kent Police Authority may, in its discretion, grant this gratuity to your dependant. They must believe that, at the time of your death, they were dependent on you financially or because of a physical or mental impairment.

If the various death benefits payable under the PPS 2015 are less than the total of your own pension contributions, the balance of those contributions will be paid to your estate.

If you need to report the death of a scheme member please contact us or complete our online form. If you have already notified Tell us Once (TUO) and ticked public sector pension, you do not need to complete our form.