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NAPS members:


My spouse or partner gets

Final Salary

Lump sum

If you die while still working at BA

If you die after leaving BA or within 5 years after retirement

The Lump sum doesn't have to be paid to your spouse, partner or surviving dependant. By completing a Notice of Wish form, you can ask the Trustees to consider at their discretion another person or cause of your choice.

Adult Survivor's pension

The basic pension package includes cover for your spouse, partner or surviving dependant when you die. Unless you have written to BA Pensions and asked not to pay for cover for an Adult Survivor, they will receive:

  • If you die while still working at BA, a pension of two-thirds of your basic pension worked out using the years, months and days that you have paid for spouse's cover, plus any Adult Survivor's pension that you have transferred in, plus half the time remaining between the date of your death and your selected Normal retirement age (Option 55 elections are ignored for the purposes of this calculation)
  • If you have a deferred pension or die after you have retired, the Adult Survivor's pension will not include the extra half time remaining to your selected Normal retirement age.
  • The spouse's or partner's pension is payable for life.
  • Remember if you work part-time we use your full-time equivalent salary and your part-time service in the Basic pension calculation.

If your spouse or partner is more than ten years younger than you, the pension is reduced, broadly by 1.25% for each complete year by which the age difference exceeds ten years. For example, the pension would be reduced by 3.75% if your spouse or partner is 13 years younger than you.

BAMPS

Lump sum

If you die while still working at BA, your spouse or partner will receive a Lump sum.

  • The Lump sum is broadly three times your Pensionable pay at the time of your death plus the value of any additional voluntary contributions.
  • Plus the amount of your individual BAMPS retirement account.
  • The Lump sum doesn't have to be paid to your spouse or partner. By completing a Notice of Wish form, you can ask the Trustees to consider, at their discretion, another person or cause of your choice.
    Notice of Wish form

If you have left BA and are a deferred BAMPS member when you die, your spouse or partner will receive a Lump sum equal to the value of your individual retirement account and any additional voluntary contributions.

If you die in retirement, your spouse or partner will receive any death benefits you arranged when you retired.

Additional voluntary contributions (AVCs)

If you die while still working at BA, the value of your AVC account will be refunded to your spouse, partner or other beneficiary.

If you die in retirement, what your spouse or partner receive will depend on whether you bought an extra pension at retirement and, if so, the type of pension you bought with your AVC account.

If you die in retirement but have deferred your AVCs, your AVC fund can be used to provide spouse or civil partner benefits through an insurance company of their choice or will be paid to your estate.


Register for electronic notifications

If you are an APS or NAPS Member, Pensioner or Dependant pensioner, you can sign up to receive electronic notifications from British Airways Pension Services Ltd when general publications become available on this website, instead of receiving them by post. Simply click on the link and follow the on-screen instructions to register.

If, in the future, you change your email address or decide that you wish to revert to receiving paper copies you can also use this link to update your preferences.

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