Children’s pensions are payable to eligible children in the event of your death and they increase every year in line with the cost of living. The amount of pension paid depends on the number of eligible children you have at the time of your death and if a survivors’ pension is being paid to your spouse, civil partner or eligible cohabiting partner. Please contact the Pensions Team for more information.
How are eligible children defined?
An eligible child is (at the date of your death):
- your natural child (who must be born 12 months before your death)
- your adopted child
- your step-child or a child accepted by you as being a member of your family (this doesn’t include a child you sponsor for charity) and be dependent on you
An eligible child must be:
- under 18; or
- under 23 and in full-time education or vocational training
- be unable to engage in gainful employment because of physical or mental impairment and either not reached the age of 23, or the impairment is, in the opinion of an independent registered medical practitioner, likely to be permanent and the child was dependent on you at the date of your death because of that mental or physical impairment.
How are children’s pensions calculated?
The rate of the pension would be calculated with your membership increased to what it would have been if you had retired on ill health and received the first tier of benefits (i.e. membership enhanced to normal pension age).
Where there is one eligible child
- if a survivors’ pension is payable: membership x final pay x 1/320 for 2008 scheme and as if 2014 scheme benefits had accrued at 1/320
- if no survivors’ pension is payable: membership x final pay x 1/240 or benefits accrued at 1/240
Where there is more than one eligible child
- if a survivors’ pension is payable: membership x final pay x 1/160 for 2008 scheme and as if 2014 benefits had accrued at 1/160
- if no survivors’ pension is payable: membership x final pay x 1/120 or benefits accrued at 1/120.
Where there is more than one eligible child the pension is paid in equal shares.