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Family pension is normally paid at an enhanced rate — half of last pay — for a defined period after death, then steps down to the normal rate of around 30%. Knowing the step-down amount and date matters because household budgets are frequently set against the enhanced figure.
Enhanced pension
Enhanced = Last drawn pay x Enhanced rate %
Normal pension
Normal = Last drawn pay x Normal rate %
Indicative estimate only. Fees, entitlements, limits and formulas vary by jurisdiction, statute, policy wording and the facts of the case. This is not legal, tax, insurance or financial advice — confirm with a qualified professional or the relevant authority.
Usually the spouse for life, then dependent children up to an age limit, then dependent parents or disabled children without age limit, in a prescribed order.
Rules vary. Many schemes now continue the spouse's pension on remarriage, particularly where there are dependent children.