Death in Service

A random set of BAE images If you die while still a contributing member, benefits on the following basis will be paid (subject to certain limits). A Longevity Adjustment Factor will apply to any pension earned from 1 April 2006.

Crown Service members

  • A lump sum of three times the greater of the annual rate of your Pensionable Pay on the date of your death, and your Final Pensionable Pay A on the day preceding death.
plus

  • An Adult Dependant’s pension of two-thirds of the pension you would have received if you had retired due to Full Medical Retirement on the day before you died.
plus

  • Eligible Children’s pensions based on a proportion of the pension you would have received if you had retired due to Full Medical Retirement on the day before you died (see below).
Some members exercised an option in 1972 on the level of widow’s pension which may affect the level of the Adult Dependant’s pension.

For female members the Adult Dependant’s pension payable is two-thirds of the pension they have earned after 1 January 1985 only.

The death benefit lump sum may be reduced if your Former Scheme has paid a death benefit lump sum or you have any outstanding contributions.

 

1984 members

  • A lump sum of three times the greater of the annual rate of your Pensionable Pay on the date of your death and your Final Pensionable Pay A on the day preceding death.
plus

  • An Adult Dependant’s pension of one-half of the pension you would have received if you had retired due to Full Medical Retirement on the day before you died.
plus

  • Eligible Children’s pensions based on a proportion of the pension you would have received if you had retired due to Full Medical Retirement on the day before you died (see below).


Eligible Children’s Pensions (Crown and 1984 members)

Number of children Any Adult Dependants? Proportion of Full Medical Retirement pension
1 Yes
No		 1/4
1/3
2 Yes
No		 1/2
2/3
3 Yes
No		 1/2
1


The proportions above are split between the number of children eligible to receive a pension.

 

BMARC members

  • A lump sum of four times the greater of Pensionable Pay or Basic Pay on the date of your death.
plus

  • An Adult Dependant’s pension OR
    Eligible Children’s pensions of one-half of the pension you would have received if you had remained in Pensionable Service until the Normal Pension Age in force at the date of your death.
plus

  • A refund of your own contributions with interest added at the rate of 8.5% a year
If a BMARC member dies in service without leaving an Adult Dependant the pension otherwise payable will be distributed between the member’s Eligible Children.


Note to all members
If you die after Normal Pension Age but in Pensionable Service, in some circumstances a higher lump sum may be payable depending on the length of Pensionable Service. For further information please see the Scheme’s Trust Deed and Rules or contact the Pensions Service Centre.