Articles / Pension and Retirement
Family Pension Rules for Central Government Employees
When the Family Becomes Eligible
Your family gets family pension from the day after your death if you die (CCS (Pension) Rules 2021, Rule 50(1), PDF p. 82):
- after completing one year of continuous service; or
- before one year of continuous service, if you were medically examined and declared fit before appointment; or
- after retirement, while receiving a pension or compassionate allowance.
Continuous service excludes suspension and service before age 18 (CCS (Pension) Rules 2021, Rule 50(1), Explanation, PDF p. 82).
Rates: Ordinary and Enhanced
| Situation | Rate | Period | Limits |
|---|---|---|---|
| Ordinary rate | 30% of pay | After any enhanced period ends | Min Rs 9,000, max Rs 75,000 a month (CCS (Pension) Rules 2021, Rule 50(2)(a)(i), PDF p. 82) |
| Death in service | 50% of pay | 10 years from the day after death (CCS (Pension) Rules 2021, Rule 50(2)(a)(ii), PDF p. 82) | Min Rs 9,000, max Rs 1,25,000 a month (CCS (Pension) Rules 2021, Rule 50(2)(a)(iv), PDF p. 83) |
| Death after retirement | 50% of pay, but not more than the pension authorised on retirement | 7 years, or until the date you would have turned 67, whichever is less (CCS (Pension) Rules 2021, Rule 50(2)(a)(iii), PDF p. 83) | Min Rs 9,000, max Rs 1,25,000 a month (CCS (Pension) Rules 2021, Rule 50(2)(a)(iv), PDF p. 83) |
- Pay means your last emoluments or average emoluments, whichever is more (CCS (Pension) Rules 2021, Rule 50(2), Explanation 1, PDF p. 83).
- After the enhanced period ends, the family gets the ordinary rate (CCS (Pension) Rules 2021, Rule 50(2)(b), PDF p. 83).
- Additional family pension starts at age 80: 20% of basic family pension from 80, 30% from 85, 40% from 90, 50% from 95, and 100% from 100 (CCS (Pension) Rules 2021, Rule 50(3)(a), PDF p. 84).
Order of Eligibility
Family pension is paid in this order (CCS (Pension) Rules 2021, Rule 50(6), PDF p. 85):
- Widow or widower, including a post-retiral spouse and a judicially separated spouse.
- Children, including adopted children, stepchildren and children born after retirement.
- Dependent parents, including adoptive parents.
- Dependent siblings with a mental or physical disability.
Normally only one member gets family pension at a time (CCS (Pension) Rules 2021, Rule 50(7)(a), PDF p. 85). A widow or widower gets it until death or remarriage, whichever is earlier, whatever her or his other income (CCS (Pension) Rules 2021, Rule 50(8)(a), PDF p. 86).
A female employee or pensioner who has a pending divorce, domestic violence, dowry or IPC case against her husband may ask the Head of Office in writing that, if she dies while it is pending, family pension go to her eligible children ahead of her husband (CCS (Pension) Amendment Rules 2024, G.S.R. 452(E), Rule 50(8)(ja), PDF p. 3).
Conditions for Children, Parents and Siblings
- Son: unmarried, below 25 and not earning. Daughter: unmarried, widowed or divorced, and not earning (CCS (Pension) Rules 2021, Rule 50(9)(a), PDF p. 89).
- A child is treated as earning if income from other sources equals or exceeds the minimum family pension plus dearness relief (CCS (Pension) Rules 2021, Rule 50(9)(b), PDF p. 90).
- Children below 25 get it one at a time, in order of birth (CCS (Pension) Rules 2021, Rule 50(9)(d), PDF p. 90).
- A son or daughter whose disability prevents earning a living can get it for life. If there are other eligible children below 25, they get it first, until the last of them turns 25 (CCS (Pension) Rules 2021, Rule 50(9)(h), PDF p. 90).
- An unmarried, widowed or divorced daughter above 25 can get it for life, or until marriage, remarriage or earning, if no child under clause (d) or (h) is eligible (CCS (Pension) Rules 2021, Rule 50(9)(j), PDF p. 93).
- Parents get it for life if they were dependent immediately before the death. The mother gets it first, then the father. Parents are dependent if their combined income is less than the minimum family pension plus dearness relief (CCS (Pension) Rules 2021, Rule 50(10), PDF p. 95).
- Disabled siblings get it for life if they were wholly dependent immediately before the death (CCS (Pension) Rules 2021, Rule 50(11)(a), PDF p. 95).
Where to Check
Read Rule 50 of the CCS (Pension) Rules, 2021 (CCS (Pension) Rules 2021, Rule 50, PDF p. 82) with the 2024 amendment inserting clauses (ja) and (jb) (G.S.R. 452(E) dated 16.07.2024, PDF p. 3).
These rules cover Government servants appointed on or before 31 December 2003 (CCS (Pension) Rules 2021, Rule 2, PDF p. 12). They do not apply to railway servants (CCS (Pension) Rules 2021, Rule 2(a), PDF p. 12) or All India Services members (CCS (Pension) Rules 2021, Rule 2(e), PDF p. 13). Families of railway staff, AIS officers, armed forces personnel and NPS or UPS employees should check their own rules.
Related Questions
What is the minimum family pension?
Rs 9,000 a month, at both the ordinary and enhanced rates (Rule 50(2)(a)(i) and (iv)).
How long is enhanced family pension paid if an employee dies in service?
For ten years from the day after death, at 50% of pay. After that, the ordinary rate of 30% applies (Rule 50(2)(a)(ii) and (b)).
Does a widow lose family pension if she has other income?
No. A widow or widower's eligibility is not affected by income from other sources. It continues until death or remarriage, whichever is earlier (Rule 50(8)(a)).
Can a divorced daughter get family pension?
Yes, if she is not earning and the other conditions are met, including that the divorce took place during the lifetime of the employee or the spouse, or proceedings were filed then (Rule 50(9)(j)).
Who gets family pension first, the mother or the father?
The mother, failing whom the father, provided the parents were dependent on the deceased (Rule 50(10)(b)).
Official Sources
- Central Civil Services (Pension) Rules, 2021 (DoPPW book edition, December 2021) · Department of Pension and Pensioners' Welfare, Government of India
- CCS (Pension) Amendment Rules, 2024, G.S.R. 452(E) dated 16.07.2024 (Rule 50, family pension) · Department of Pension and Pensioners' Welfare, Government of India
Have a question about your own case?
Ask the AssistantMore in Pension and Retirement
This article explains the official rules as published; it is not legal advice. Check the cited document, and your own department's orders, before acting.