care about your future

As well as providing you with an income in retirement, membership of the scheme also provides valuable protection for your dependants, including a lump sum payment and pension if you die leaving dependants. Use this area of the website to find out more about the benefits payable should you die while paying into the scheme.

Please note: 

If your, spouse, civil or nominated partner is more than 12 years younger than you, their pension will be reduced to reflect the age difference.

If you are not in a legally recognised, but long term, relationship, you can nominate your partner to be treated as your spouse by submitting a ‘Qualifying partner nomination form’.

You are encouraged to nominate your partner as soon as you consider that your cohabiting relationship is exclusive, committed and for the long-term. It is your responsibility to ensure that this information is kept up-to-date.

Your dependants are also protected if you die in retiirement and full details are given in the Retirement area of this website.

Death or injury while on duty

If you die within 12 months as a result of an injury, your dependant may be entitled to a gratuity under the Police (Injury Benefit) Regulations. Please note that this does not form part of the pension scheme.

Death while serving

Lump sum

If you die while serving, provided you were an active member of the Police 2015 scheme at the time of your death, a lump sum death grant of three times your annual pensionable pay at the time will be paid to:

  • your spouse or registered civil partner
  • someone you have previously successfully nominated as a qualifying partner or to someone else you have nominated if you not married or in a civil partnership (this is at the discretion of Police Scotland).

Otherwise, the payment will be made to your personal representative, usually the executor of your will, which means it will form part of your estate.

If you wish to nominate someone to receive your lump sum death grant you should complete a nomination form (which you can download from the SPPA Website).

Please note that a nomination does not override the provision that the grant will in the first place go to your surviving spouse or partner, if you have one. But it would take effect if you have no spouse or partner or if both you and your spouse or partner were to die at the same time.

Unless you tell SPPA otherwise, this will be paid to your spouse, registered civil partner or qualifying partner and will normally be tax free.

If no beneficiary is nominated and you do not have a spouse or registered civil partner, the lump sum can only be paid to your estate and so may be subject to Inheritance Tax.

Please contact SPPA if you wish to nominate someone else to receive the payment.

Dependant's pension

If you have paid into the scheme for at least 2 years your spouse or registered civil partner will receive a pension for life of half the ill health pension that you would have received if you had been permanently disabled for regular employment at the time of your death.

 

Unmarried partners

If you have no spouse or civil partner, it may be possible for a survivor’s pension to be paid to your partner on the same basis as if he/she had been your spouse or civil partner.

For this, you and your partner must have submitted a Qualifying partner nomination form to SPPA to confirm that all of the following apply:

  • You have been living together for a period during which your partner has been financially dependent on you, or both of you have been financially dependent on each other.
  • Your relationship is a committed and intended to continue indefinitely
  • You each have mutual responsibility for the other’s welfare
  • You are free to marry each other or free to form a civil partnership
  •  Neither of you is married or in a civil partnership or the nominated partner of anyone else
  • You agree to inform the scheme administrator if the relationship ends.

On your death, we will ask your nominated partner to submit a claim form to Police Scotland to confirm that the statements in the joint declaration remain valid.

We may also ask for supporting information to confirm financial dependency, such as confirmation of shared household spending or shared bank accounts. A period of cohabitation of at least two years is expected for a pension to be paid to a nominated partner, but Police Scotland may exercise discretion to pay a pension to a nominated partner in a shorter relationship.

In exercising discretion, Police Scotland must be satisfied that you and your nominated partner were cohabiting in an exclusive, committed, long-term relationship, and that your nominated partner was financially dependent on you or you were financially interdependent. The decision of the police authority on these matters is final.

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