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<p>(a) Widows/widowers/civil partners’ pension provisions exist in all parts of the
Civil Service pension arrangements. The facility whereby a ‘premium deduction’ is
taken from any refund of contributions payable to an unmarried member only exists
in the 1972 Section (none of the other parts of the Civil Service pension arrangements
provide refunds to unmarried members). The deduction is there to cover the scheme
against the risk that the member marries/enters a civil partnership in retirement
and then pre-deceases their spouse/civil partner, giving rise to a widow(er)/civil
partner’s pension payable from the scheme.</p><p> </p><p>(b) If the premium were to
be repaid to the member’s estate should they subsequently die without marrying or
entering a civil partnership, the amount of the premium would need to be significantly
higher as it would only be retained by the scheme in circumstances where a spouse/civil
partner’s pension was payable.</p><p> </p><p>(c) The Civil Service pension arrangements
are funded through the Civil Superannuation Vote. Contributions (both member and employer)
are paid into the Vote, and benefits and refunds are paid out of the Vote. MyCSP are
the scheme administrator. They arrange for refunds of contributions to be paid, where
appropriate. But if a premium deduction is necessary, MyCSP do not retain that deduction
themselves. It is retained in the Vote.</p><p> </p>
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