The 2015 NHS Pension Scheme can provides both lump sum and pension benefits to your dependants in the event of your death.
The lump sum may be paid out if the member dies before retirement or within 5 years of retiring.
This is payable to your spouse, civil partner or qualifying nominated partner, unless you have nominated someone else, if you have none of them then the benefits will be payable to your estate. The Scheme allows you to nominate one or more people or one organisation to receive the lump sum.
The lump sum must be paid out within two years of the members death, otherwise it will be subject to a 45% tax charge.
This is payable to your dependants: spouse, civil partner, qualifying nominated partner, or dependent child.
An adults dependant pension is payable for the rest of the dependants life.
A children's pension may include multiple children. It is usually paid until the age of 23, but this may be extended should the child(s) be unable to work due to a previous condition that existed at the time of the members retirement.
If the member died with less than two years membership of the Scheme, then the only benefits payable are a lump sum on death, and a children's pension.
If the member was claiming their pension or a deferred member at the time of their death, then an adults pension is payable provided the member had at least two years membership of the scheme, as well as a lump sum and a children's pension are payable.
If the member was still paying into the scheme at the time of their death, then a lump sum, adults pension and children's pension are all payable.