Children’s pensions

Eligible children are entitled to children’s pensions.

Eligible children are your children. They must, at the date of your death:

  • be your natural child (who must be born within 12 months of your death), or 
  • be your adopted child, or
  • be your step-child or a child accepted by you as a member of your family (this doesn’t include a child you sponsor for charity) and be dependent on you.

Eligible children must meet the following conditions: 

  • be under age 18, or Be aged between 18 and 22 (inclusive) and in full-time education or vocational training, or
  • be unable to engage in gainful employment because of physical or mental impairment and either has not reached the age of 23 or the impairment is, in the opinion of NILGOSC’s Independent Registered Medical Practitioner, likely to be permanent and the child was dependent on you at the date of your death because of mental or physical impairment.

If the deceased had membership of different sections of the Scheme the total pension payable is the sum of pension relating to each part.

Death of a deferred member (leaver after 31 March 2015)

  • One child receives a pension of:
    The deceased accrued pension for membership in the Scheme after 31 March 2015 recalculated as if it had built up at a rate of 1/320th
  • Two or more children receive a pension shared equally between them of:
    The deceased accrued pension for membership in the Scheme after 31 March 2015 recalculated as if it had built up at a rate of 1/160th

If no widow’s, widower’s, civil partner’s or eligible cohabiting partner’s pension is payable then the children’s pensions are payable at an increased rate:

  • One child receives a pension of:
    The deceased accrued pension for membership in the Scheme after 31 March 2015 recalculated as if it had built up at a rate of 1/240th
  • Two or more children receive a pension shared equally between them of:
    The deceased accrued pension for membership in the Scheme after 31 March 2015 recalculated as if it had built up at a rate of 1/120th

Death of a deferred member (leaver from 1 April 2009)

  • One child receives a pension of:
    1/320 x deceased’s final pay x deceased’s total membership*
  • Two or more children receive a pension shared equally between them of:
    1/160 x deceased’s final pay x deceased’s total membership *

If no widow’s, widower’s, civil partner’s or eligible cohabiting partner’s pension is payable then the children’s pensions are payable at an increased rate:

  •  One child receives a pension of:
    1/240 x deceased’s final pay x deceased’s total membership*
  •  Two or more children receive a pension shared equally between them of:
    1/120 x deceased’s final pay x deceased’s total membership *

*plus pensions increases

Death of a deferred member (leaver before 1 April 2009)

A long-term child’s pension is calculated on a minimum of ten years’ membership and is payable as follows:

  • One child receives a pension of:
    1/4 x pension payable at date of death*
  • Two or more children receive a pension shared equally between them of:
    1/2 x pension payable at date of death *

If no widow’s, widower’s, civil partner’s or eligible cohabiting partner’s pension is payable the following pensions are payable:

  • One child receives a pension of:
    1/3 x pension payable at date of death*
  • Two or more children receive a pension shared equally between them of:
    2/3 x pension payable at date of death*

*plus pensions increases