Scheme information

Death in service

In the event of your death and, provided you joined CARE within 12 months of starting work with the AA, the following benefits may be paid:

Cash sum

A lump sum payment of the greater of four times your pensionable pay received in the preceding year (12 months to previous 31 March) or, four times your annual basic rate of pay (excluding overtime etc) at the date of your death. 

If you have paid Additional Voluntary Contributions (AVCs), then you may also take up to 25% of the value of your accumulated AVC fund as a tax free cash sum, subject to the total cash sum from all sources not exceeding HM Revenue & Customs maximum tax free cash sum limits. 

A spouse’s, civil partner's or dependant’s pension*

Your spouse’s or civil partner's pension will be based on your prospective pension calculated as follows:

  • 50% of your accumulated retirement income 

         multiplied by

  • Your total CARE service to age 65

         divided by 

  • Your actual CARE service to the date of death

A child’s pension for up to four children*

Pensions are paid for up to four children under age 18. Each pension is one quarter of the spouse’s pension. 

Total children’s pensions of up to the amount of the spouse’s pension can be paid. A child’s pension may be paid for up to four children. 

No child can receive more than 25% of the spouse’s pension. Pensions may be paid at the discretion of the Trustee to children up to the age of 23, if they are still in full-time education.

If the child is under the age of 18

A child may qualify for a pension if they are;

  • Under the age of 18, or in the opinion of the Trustee, continuing in full-time education or vocational training (including any period which the Trustee considers to be a short break in the child’s education); and
  • Your legitimate, legitimated, step, adopted, or at the Trustee’s discretion, an illegitimate child who was dependent on you immediately before your death or any other child treated as your legitimate child or for whom you act ‘in loco parentis’.

If the child is over the age of 18

A child over age 18 may qualify for a pension if he or she is incapable of self support by reason of bodily or mental injury or disability.

The Trustee has discretion to exclude any person over age 21 whom it considers does not meet the criteria from receiving a child’s pension.

If no spouse’s, civil partner's or adult dependant’s pension is payable, the child’s pension will be doubled.

* subject to certain criteria being met.

Late Joiner

If you are a Late joiner, the lump sum in respect of life cover, spouse's, civil partner's and dependant's benefits will be phased in over a 5 year period. For further information please refer to the Care Section Explanatory Booklet which can be found in the document library.