Navigating Children's Pension: How Can My Younger Brother Access Benefits After My Elder Brother Turns 25?

Hi,

My father was working with NHPC LTD and passed away in 1999. We are three children of my father, and two of us, including me and my elder brother, are receiving the pension along with my mother. In May, my elder brother will turn 25 and will no longer be eligible for the pension. Could you please advise me on how my younger brother, who is 19 years old, can receive the benefits of children's pension?

Dear [Recipient],

Overall, the pension will not be reduced. If your brother becomes 25, then that pension will go to your mother. When you turn 25, the complete pension will be transferred to your mother.

Thank you,
J.S. Malik

But sir, can you explain what children's Pension is? As far as my knowledge goes, only the wife is entitled to the pension.

Dear,

As per the Employees' Pension Act, after the death of a husband, the widow and two children are authorized to receive a pension. In this case, the widow's pension is fixed, but as the two children will also receive a pension with their mother, the amount is divided between the three in a certain fixed ratio. When the children reach the age of 25, become dependent, or in the case of a girl, get married, that share of the pension goes to the mother.

Thank you.
J. S. Malik

You are inquiring whether this applies to all state and central government employees or only certain employees.

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I hope this helps clarify your query. Let me know if you need further assistance.

Mr. Malik is absolutely right. You will find this in PF Form No. 2 (Nomination and Declaration Form); there is a clear mention about the widow's pension and children's pension.

But I have one query, Mr. Malik: Suppose the pension amount is Rs. 5000. So, what amount should be for the widow, and what should be for her two children? Will you divide this Rs. 5000 in three equal parts, or will any other ratio be applicable? Please let me know.

Mr. Malik is absolutely right. You will find this information in PF Form No. 2 (Nomination and Declaration Form), where it clearly mentions about the widow pension and children pension.

However, I have one query for Mr. Malik: Suppose the pension amount is Rs. 5000. What amount should be allocated for the widow and what should be allocated for her two children?

Would you divide this Rs. 5000 equally into three parts, or should a different ratio be applied? Please let me know.

Abhi, can you tell me which form you are referring to? You mentioned some PF form, and I am confused about this law because as far as I know, the pension is given only to widows, and there is a job facility provided on compassionate grounds to either the widow or the son/daughter. Could you please share a format or provide a link to a website for clarification?

Ravi, please refer to part B of this form for information on the EPS (Employees' Pension Scheme), where it clearly mentions the widow and children's pension.

Thanks, Abhi. But one last question: do you have a pension in the private sector as well? If so, do private employees receive a pension after retirement? And is it equal to government sectors?

Mr. Malik is correct. After you attain the age of 25, your pension amount will be transferred to your mother's account.

Regards, Digpal

Dear Ravi/Sumeet,

I am really sorry as I have posted wrongly about family pension. Children's pension is up to 25 years of age from the oldest to the youngest child. In the case of Sumeet, who is a younger brother at 19 years of age, he should get the pension now. All papers were submitted at the time of pension, and all documents are also available with PF authorities regarding his brother.

Now, if the widow's pension is 5000 per month, then children's pension will be 25% to each child, i.e., 1250 per month. This is in addition to the widow's pension.

Sorry for the information given earlier as I was confused.

Thanks,
JS Malik

Hi Ravi,

This particular pension is a part of our monthly PF deduction and the equivalent share of the employer to it. I think the condition is you have to be a member of the PF scheme for at least 10 years. Since this is a family pension, the same is given to the deceased employee's family and not to the retiring employee as in the case of central government employees. This is out of 8.33% of the employer's share, which is treated as a fund towards the family pension.

CiteHR Members - Please correct me if I'm wrong.

Thanks,
Kavita

Hi Ravi,

This particular pension is a part of our monthly PF deduction and the equivalent share of the employer. I think the condition is that you have to be a member of the PF scheme for at least 10 years. Since this is a family pension, it is given to the deceased employee's family and not to the retiring employee, as in the case of central government employees.

This is out of the 8.33% of the employer's share, which is treated as a fund towards a family pension. CiteHR Members - Please correct me if I'm wrong.

Thanks,
Kavita

Ah, look, every employee has PF deductions, and the employer also contributes to it. After the employee retires, he gets the total accumulated amount. In between, the employee can also withdraw the amount if he wishes as a non-refundable loan, as per certain rules and clauses.

If an employee expires before retirement, then his wife will receive the total accumulated amount until that date, either as a lump sum or in monthly installments paid by the employer. Is this monthly payment considered a pension? (I am asking.)

If the wife receives the total accumulated amount collected until that date, then where does the private company contribute to the pension? I believe this needs to be pondered over because Provident Fund and pension are two different concepts.

:lol: Hi

Relevant provisions of Employees' Pension Scheme'95 (EPS'95) is reproduced below:
Para 16 deals with “Benefits to the family on the death of member”

Para 16(3): Monthly Children pension:--

(a) If there are any surviving children of the deceased member, falling within the definition of family, they shall be entitled to a monthly children pension in addition to the monthly widow/widower pension.

(b) Monthly children pension for each child shall be equal to 25 per cent. of the amount admissible to the widow/widower of the deceased member as monthly widow pension payable under sub-paragraph (2) (a) (i) provided that minimum monthly children pension for each child of the deceased member shall not be less than Rs. 115/- per month.

(c) Monthly children pension shall be payable until the child attains the age of 25
years.

(d) The monthly children pension shall be admissible to maximum of two children at a time and will run from the oldest to the youngest child in that order.

(e) If a member dies leaving behind a family having son or daughter who is permanently and totally disabled such son or daughter shall be entitled to payment of monthly children pension or orphan pension, as the case may be, irrespective of age and number of children in the family in addition to the pension provided under CI.(d)].

Regards,
kadalirao