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Death grant
In this section
A single payment – known as a death grant – could be made to your beneficiaries when you die. The amount would depend on your situation at the time of death.
Were you a member before 2022?
This section gives you details about the benefits in the firefighters’ pension scheme 2015. If you also have benefits in one of the other sections of the firefighters’ pension scheme, you should read about what death benefits may be payable from those sections.
If you die whilst employed
Death in service
If you were both an active member and already receiving pension from another firefighters’ pension scheme at the date of death, your administrator would compare the two pension accounts and the highest value would be payable.
A payment of three times your final pay would be made to your beneficiaries if you die in service. This is known as a death grant.
If you are contributing to more than one pension account (for example if you are also making additional contributions to increase your pension) a death grant would payable from each of the accounts.
If you die in retirement
Death in retirement
If you die after retirement and you have been receiving pension payments from firefighters’ pension scheme 2015 for less than five years, a payment of the balance of five years’ payments would be made. This means that effectively five years of pension payments are guaranteed.
If you have benefits in firefighters’ pension scheme 2006 or firefighters’ pension scheme 2006 (special) additional death benefits may be payable. Find out more in the relevant sections of the site.
Restrictions
Things to consider
Tax rules stop death grants being paid for members who have reached the age of 75.
There is no death grant payable for members who have stopped contributing to the firefighters’ pension scheme 2015 (i.e. have a deferred pension) which has not come into payment.