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

The table below explains what your loved ones may receive if you die while you're a pensioner 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 – Pensioner 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)	At any time up to leaving pension scheme	AVC taken as tax free lump sum - Nothing is payable AVC taken as additional pension – 30.625% of additional members pension purchased is payable to your surviving partner Varying % of pension derived from the Added Years bought is payable to your surviving eligible children AVC taken as additional as a transfer service credit – 50% of pension derived from the transfer service credit bought is payable to your surviving partner Varying % of pension derived from the transfer service credit bought is payable to your surviving eligible children	AVC taken as tax free lump sum - Nothing is payable AVC taken as additional pension – 10* x additional pension bought at date of leaving, revalued to date of death, less any additional pension paid to date of death AVC taken as additional years and days (‘Added Years’) – 10* x pension derived from the transfer service credit bought, less any relevant pension paid to date of death
AVC life insurance	At any time up to leaving pension scheme	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	10 x additional pension bought at date of leaving, revalued to date of death, less any additional pension paid to date of death
ARCs without dependants’ benefits	At any time up to leaving pension scheme	Nothing is payable	10 x additional pension bought at date of leaving, revalued to date of death, less any additional pension paid to date of death
Additional Pension Contributions (APCs)	At any time up to leaving pension scheme	Nothing is payable	10 x additional pension bought at date of leaving, revalued to date of death, less any additional pension paid 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	10 x additional pension bought at date of leaving, revalued to date of death, less any additional pension paid 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	10*** x pension derived from the Added Years bought at date of leaving, revalued to date of death, less any relevant pension paid 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 and eligible children must meet the Scheme’s eligibility criteria to be entitled to these benefits.

*** The Death Grant Lump Sum is only 5 x additional pension/pension resulting from Added Years/pension resulting from transfer service credit for leavers before 1 April 2008.

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