A pension will be paid to your eligible children and your spouse, civil partner or cohabiting partner after you die. You can find out more about survivor pensions in our After you die FAQs.
If you are protected by the underpin, your pension fund will work out whether any survivor pension should be increased. A part of the increase that applied to your pension (or would have applied, if you die before taking your pension) is added to the survivor pension.
However, if your pension was adjusted for early or late payment, those adjustments are ignored when working out the survivor pension and any increase to it.
If a protected member died before 1 October 2023, the pension fund will look again at any survivor pension that has been paid. If the pension should have been increased, they will pay arrears of pension back to the date the survivor pension was first paid, plus interest.
If you started to receive a survivor pension before 1 October 2023 and you have not yet heard from your pension fund, do not be concerned:
- LGPS pension funds have thousands of payments to review. This is a huge exercise which will take many months to complete.
- In many cases, the survivor pension will not increase because of the member’s underpin protection.