Will you get your death in service benefit?

18th May 2018 by Nigel Farrar

Will you get your death in service benefit?

Locums are becoming a vital part of increasingly pressurised general practices, yet the NHS benefits they’re entitled to are not always as fair as they could potentially be. While locums can contribute to the NHS pension scheme, one critical benefit is not always available: death in service.

If we were all clairvoyants with a crystal ball, we would know exactly when we were going to die and plan accordingly. Suffice to say we’re not and that’s where the difficulty arises; particularly for locums whose contract status on death makes a big difference to the NHS benefits their loved ones receive.

If you’re a locum ‘in service’ when you die

As a GP locum, if you die when in contract i.e. you either have a long-term locum post or a short Monday to Friday locum contract, you are entitled to the following standard NHS pension scheme benefits:

  • An initial 6 months pension for your spouse, registered civil partner or nominated qualifying partner, equal to your pensionable pay before death.
  • Followed by an ongoing pension based on your uprated ill-health retirement pension (Tier 2).
  • Twice your total average uprated (dynamised) earnings paid as a lump sum.

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"As a newly-qualified CCT and a GP moving to a new region post-CCT, I found LocumDeck and the NASGP to be very helpful. LocumDeck has been useful: Ali Lewis helped me to set myself up, get in touch with practices and book sessions, and also helped me chase payments. The NASGP itself, providing peer support and advice, has also been very good. I would certainly encourage my colleagues to join."

Dr Smita Sharma, GP, Hertfordshire

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