How is a child's pension worked out?

If you die before taking your deferred benefit

Children's pensions are payable to eligible children and increase every year in line with the cost of living. The amount of pension depends on the number of eligible children you have and if a partner's pension is being paid to a spouse, civil partner or elibible co-habiting partner. Where a pension is payable to two or more children the pension will be shared equally. The benefits that are generally payable are set out below:

If a partner's pension is being paid to your spouse,civil partner or eligible cohabiting partner:

One child Two or more children
Your membership from 1 April 2014 1/320th of the pensionable pay or assumed pensionable pay you received in each year plus a proportion of any transfer of pension rights credited to your pension account 1/160th of the pensionable pay or assumed pensionable pay you received in each year plus a proportion of any transfer of pension rights credited to your pension account
Your membership up to 31 March 20141/320th of your final pay X the period of your membership in the scheme up to 31 March 2014, upon which your deferred benefit is based 1/160th of your final pay X the period of your membership in the scheme up to 31 March 2014, upon which your deferred benefit is based

If no partner's pension is being paid to your spouse, civil partner or eligible cohabiting partner:

One child Two or more children
Your membership from 1 April 2014 1/240th of the pensionable pay or assumed pensionable pay you received in each year plus a proportion of any transfer of pension rights credited to your pension account 1/120th of the pensionable pay or assumed pensionable pay you received in each year plus a proportion of any transfer of pension rights credited to your pension account
Your membership up to 31 March 20141/240th of your final pay X the period of your membership in the scheme up to 31 March 2014, upon which your deferred benefit is based 1/120th of your final pay X the period of your membership in the scheme up to 31 March 2014, upon which your deferred benefit is based

If you paid extra

  • if you paid additional contributions to buy extra LGPS pension by paying Additional Pension Contributions (APCs) (or Shared Cost Additional Pension Contributions (SCAPCs)) these will not count towards the value of any children's pensions as they only count towards your pension.
  • if you elected before 1 April 2014 to pay Additional Regular Contributions (ARCs) then, provided you opted to pay for dependant's benefits when you took out your original contract, extra benefits will be payable to your eligible children. If you did not opt to pay for dependant's benefits when you took out your original ARC contract, then no extra benefits will be payable.
  • if you elected before 1 April 2008 to buy LGPS added years of membership, any membership you have paid for will count towards the benefits payable to your eligible children.
  • If you paid Additional Voluntary Contributions (AVCs) arranged through the LGPS (in-house AVCs), the value of your AVC fund is also payable.