How is a child's pension worked out?

Death in service

If you were to die whilst in service 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, plus an enhancement equal to 1/320th of your assumed pensionable pay for each year of membership you would have built up from your date of death to your Normal Pension Age 1/160th of thepensionable pay or assumed pensionable pay you received in each year plus a proportion of any transfer of pension rights credited to your pension account, plus an enhancement equal to 1/160th of your assumed pensionable pay for each year of membership you would have built up from your date of death to your Normal Pension Age
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 1/160th of your final pay X the period of your membership in the scheme up to 31 March 2014

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, plus an enhancement equal to 1/240th of your assumed pensionable pay for each year of membership you would have built up from your date of death to your Normal Pension Age 1/120th of thepensionable pay or assumed pensionable pay you received in each year plus a proportion of any transfer of pension rights credited to your pension account, plus an enhancement equal to 1/120th of your assumed pensionable pay for each year of membership you would have built up from your date of death to your Normal Pension Age
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 1/120th of your final pay X the period of your membership in the scheme up to 31 March 2014

Paying extra

  • if you are paying, or have 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 were still paying the ARCs at the date of death you will be deemed to have completed all payments. 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 you will be credited on your death with the whole extra period of membership that you set out to buy, even if you have not completed full payment for it. This will increase the value of the benefits payable to your eligible children.
  • if you are paying Additional Voluntary Contributions (AVCs) arranged through the LGPS (in-house AVCs) the value of your AVC fund is payable as is the value of any extra life cover pension for your eligible children paid for through AVCs.