What benefits are payable if a member dies while not in active employment with less than 2 years membership?

This depends on if the member dies:

• less than 12 months after leaving the Scheme
• more than 12 months after leaving the Scheme

Less than 12 months after leaving the Scheme

A one-off payment will be made to the member’s surviving partner, nominee, or their estate if they have:

• less than 2 years service overall
• no refund of contributions
• no transfer out

You can find the one-off payment calculations for each Scheme on the ‘Survivors guide’ on our website.

A Dependant Claim Form (DCF) must be completed by the person making the claim for the death benefits of a deferred member.

More than 12 months after leaving the Scheme

 A one-off payment will be made to the member's surviving partner, nominee, or estate if they have:

• less than 2 years membership overall
• no refund of contributions
• no transfer out

This is equivalent to a refund of the member's contributions minus any appropriate deductions such as income tax.

A claim for a refund of contributions form (AW12/2) form must be completed by the member's personal representative to claim a refund of contributions. This can be requested by contacting us.