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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

NHS Death in service payment

30 replies

Suppermumzy · 08/04/2020 21:15

AIBU to ask you if you know how much would my husband get if I die in service. I have only been qualified a year ( RGN). I know it's sad, I've cried buckets today but it's something am thinking about with the current situation so I know how much my kids will have. Thank you.

OP posts:
Serin · 10/04/2020 23:29

Please consider private life insurance, it probably isnt relevant for Covid but longer term it gives such peace of mind. Mine is £13 a month for £200k.
The NHS death in service benefits are really not good enough.

MrFaceyRomford · 10/04/2020 23:35

Life insurance often won't pay out if death is within 1-2 years of starting the policy.

This does not apply to group life assurance arrangements like the NHS pension scheme. There are no exclusions for cause of death either.

ariana1 · 11/04/2020 06:43

It is all on the NHS Pensions page and the best thing to do now is to nominate your husband to receive your lump sum etc. as it can be paid straightaway without waiting for a will or probate.
I sent a form recently to nominate my children as I’m divorced. I downloaded it from the NHS Pensions website, printed it as it needs someone to witness it being signed - had to do that with a visitor who was dropping off shopping at 2m apart.
It’s really sensible to do this anyway and I wish you all the luck in the world and trust that you stay safe and well.

EnglishRain · 11/04/2020 06:50

You don't need to nominate your husband as you are married. He will automatically get it from the pension scheme. It is indeed two years salary.

wonkytonkwoman · 11/04/2020 07:40

As others have said, 2x your salary and you have to nominate the beneficiary.

Without wanting to be negative though, have you made a Will, @Suppermumzy? I've just updated mine (NHS frontline clinician) but that's to reflect my changed circumstances as much as the increased risk from my job.

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