Widow’s pension

If a married pensioner dies and is survived by his or her widow, the widow is entitled to a widow's pension.

The calculation will depend on the date you left the Scheme and whether the marriage took place before or after you stopped paying into the Scheme. 

Death of a pensioner (stopped paying into the Scheme after 31 March 2015)

A long-term widow’s pension is payable of:

  • Your accrued pension (including any pension given up for a tax-free cash lump sum) for membership in the Scheme after 31 March 2015 recalculated as if it had built up at a rate of 1/160th, (including any enhancement given if the retirement was on ill-health grounds), plus
  • 49/160th of the amount of any pension credited to your pension account following a transfer in, plus
  • 1/160th of your final pay x the period of membership in the Scheme up to 31 March 2015 upon which your pension is based

If marriage occurred after retiring the long-term widow’s pension is calculated on your membership after 5 April 1978 only.

Death of a pensioner (stopped paying into the Scheme between 1 April 2009 and 31 March 2015)

A long-term widow’s pension is payable of:

  • 1/160 x deceased’s final pay x deceased’s total membership (including any enhancement given if the retirement was on ill-health grounds)

If marriage occurred after leaving the long-term pension is calculated on the deceased’s post 5 April 1978 contracted-out membership only.

Death of a pensioner (stopped paying into the Scheme between 1 April 1972 to 31 March 2009)

A short-term pension is payable of:

  • the deceased member’s pension rate for three months from the date of death or for six months if eligible children are in the widow’s care. 

A long-term pension is payable, after the short-term pension ends, at:

  • ½ x deceased’s pension

If marriage occurred after leaving, the long-term pension is calculated as:

  • ½ x deceased’s pension in respect of post 5 April 1978 contracted-out membership only

Death of a pensioner (stopped paying into the Scheme before 1 April 1972)

The widow’s pension is:

  • 1/3 x deceased’s pension