How is a child's pension worked out?

Death after retirement

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 eligible co-habiting partner.

If you left the LGPS before 1 April 2008 a short term pension equal to the level of your pension may be payable to your eligible child(ren), as below:

  • if there is no surviving spouse's or civil partner's pension payable a short term pension would be paid for a period of six months
  • if there is a surviving spouse's or civil partner's pension payable but the eligible child(ren) are not in the care of the surviving spouse or civil partner a short term pension would be payable for three months

The benefits thereafter, and in cases where a short term pension is not payable, are generally calculated as 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 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 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
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

If you left the LGPS on or after 1 April 2014 and a pension is payable to two or more children the pension will be shared equally; if you left before 1 April 2014 your pension fund may apportion the pension between the children as they see fit.

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 were paying Additional Voluntary Contributions (AVCs) arranged through the LGPS (in-house AVCs) and elected to defer taking payment of your AVC fund when you retired from the LGPS the value of your AVC fund is payable. If you bought a top up pension in the LGPS with your AVC fund when you retired the extra pension purchased will also count towards the benefits payable to your eligible children (unless you retired between 1 April 2008 and 31 March 2014 and chose not to provide for dependant's benefits).