Payments may be made to a surviving adult dependant (known as the ‘survivor’) and eligible children. A ‘survivor’ may be the widow, widower or civil partner or an ‘eligible partner’ provided that they were in a substantial and exclusive relationship with the deceased at the time of death (unless there is also a legal spouse).
Survivor’s Guaranteed Income Payment (SGIP)
The main benefit paid to the survivor is the Survivor’s Guaranteed Income Payment (SGIP). The SGIP is
- calculated based on salary and age at time of death
- worked out as being 60% of the Guaranteed Income Payment (GIP) of the deceased
- SGIP’s take account of any Armed Forces Pension paid – 75% of any amount paid to the partner in relation to the deceased’s Armed Forces Pension will be taken into account when the SGIP is calculated.
If there is a survivor and eligible children, the Child’s Payment(CP) for the children is calculated as follows:
• up to two children, 15% of the deceased’s GIP will be awarded for each child
• up to three children, 15% of the deceased’s GIP will be awarded for each of the first two children and 10% for a third child
• four or more children, 40% of the deceased’s GIP is shared equally among them
If there are eligible children but no survivor, the Child’s Payment (CP) is calculated as follows:
• up to four children, 25% of the deceased’s GIP will be awarded for each child
• more than four children, 100% of the deceased’s GIP will be divided equally
CP’s take account of any Armed Forces Pension paid – 75% of any Armed Forces Pension paid to the child as a result of bereavement will be taken in to accouint when the CP is calculated.
If a Service person’s death is deemed to be attributable to Service, a tax-free Bereavement Grant will be payable to their dependants.
If the Service person dies after leaving Service, the grant will be £25,000.
If the Service person dies in Service, the amount of grant will depend on which pension scheme they were a member of.
• If they were a member of Armed Forces Pension Scheme 1975, their dependant will receive £25,000
• If they were a member of Armed Forces Pension Scheme 2005, their dependant will receive the difference between £25,000 and their salary. If their salary was more than £25,000, no Bereavement Grant is payable.
For information about benefits you may be entitled to under the Armed Forces Compensation Scheme or from the state, see Pension and benefit entitlements for spouse and Bereavement and other benefits.
If you need help either with claiming state benefits or war pensions, contact The Royal British Legion, the Veterans UK (formerly SPVA) or SSAFA.