What happens to additional contributions if you die as a deferred member

The table below explains what your loved ones may receive if you die while you're a deferred member and have paid additional contributions. The amount payable will depend on the type of contribution you paid and when those payments stopped.

What happens to your additional contributions if you die – Deferred members
Type of contract	Additional contributions stopped	Dependants’ benefits payable from additional contributions**	*Death Grant Lump Sum payable from additional contributions**
Additional Voluntary Contributions (AVCs)	Before date of death	Nothing is payable	AVC fund value
Additional Voluntary Contributions (AVCs)	On date of death	Nothing is payable	AVC fund value
AVC life insurance	Before date of death	Check terms with AVC provider	Check terms with AVC provider
AVC life insurance	On date of death	Check terms with AVC provider	Check terms with AVC provider
Additional Regular Contributions (ARCs) with dependants’ benefits	At any time up to leaving pension scheme	37.5% of ARC pension bought is payable to your surviving partner Varying % of ARC pension bought payable to your surviving eligible children	5 x additional pension bought at date of leaving, revalued to date of death
ARCs without dependants’ benefits	At any time up to leaving pension scheme	Nothing is payable	5 x additional pension bought at date of leaving, revalued to date of death
Additional Pension Contributions (APCs)	At any time up to leaving pension scheme	Nothing is payable	5 x additional pension bought at date of leaving, revalued to date of death
Qualifying Additional Pension Arrangement (QAPA)	At any time up to leaving pension scheme	30.625% of QAPA pension bought is payable to your surviving partner Varying % of QAPA pension bought payable to your surviving eligible children	5 x additional pension bought at date of leaving, revalued to date of death
Added Years	At any time up to leaving pension scheme	50% of pension derived from the Added Years bought is payable to your surviving partner Varying % of pension derived from the Added Years bought is payable to your surviving eligible children	Leavers on/after 1 April 2008 - 3 x pension derived from the Added Years bought at date of leaving, revalued to date of death Leavers before 1 April 2008 - 5 x pension derived from the Added Years bought at date of leaving, revalued to date of death

*Technically, the Death Grant Lump sum is paid at the discretion of the EAPF, though, in most cases, it will be paid to your nominated beneficiary or beneficiaries.

**Surviving partners/eligible children must meet the Scheme’s eligibility criteria to be entitled to these benefits.

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