APCs when you die

If you die in service then no benefits from your Additional Pension Contributions (APC) contract will be payable. This is because the amount of extra pension you buy is for you only. It is not used in the calculation of the lump sum death grant or any survivor’s or children’s benefits.

If you die after leaving but before retirement and therefore have deferred benefits, then a lump sum of five times the extra annual pension paid for will be payable.

If you die whilst in receipt of your pension, a lump sum of 10 times your extra annual pension minus any extra pension already paid to you will be payable.