FAMILY PENSION UNDER LIC EMPLOYEES PENSION RULES 1995

 Eligibility for family pension under the Life Insurance Corporation of India (Employees) Pension Rules, 1995 is governed primarily by Rule 2(k) (Definition of Family) and Rule 40 (Period for which Family Pension is payable).

Eligibility is determined strictly in hierarchical order: the next category is considered only when no eligible member exists in the preceding category.

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  Age Limit: No age limit.
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  Duration & Conditions:

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    Payable up to the date of death or remarriage, whichever is earlier.
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    If the spouse is judicially separated, they remain eligible provided the separation was not granted on grounds of adultery and they were not held guilty of adultery.
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    If a childless widow remarries, family pension continues if her personal monthly income from all sources remains below the prescribed dependency threshold.

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  Age Limit: Up to the age of 25 years.
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  Disqualifying Conditions:

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    Attaining 25 years of age.
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    Marriage (payable only to an unmarried son).
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    Starting to earn an independent livelihood (income exceeding the Corporation’s dependency income criteria).

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  Unmarried Daughter (General):

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    Rule 2(k)(iii) / Rule 40(1)(c): Payable until she attains the age of 25 years, or until she gets married or starts earning, whichever is earliest.
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  Unmarried Daughter beyond 25 years / Widowed / Divorced Daughter:

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    Rule 2(k)(iv): No maximum age limit.
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    Payable until the date of her marriage / remarriage, or until her monthly income exceeds the dependency criteria.
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    Divorced or widowed daughters become eligible only after all children under 25 years of age have ceased to be eligible, and their status (divorce/widowhood) must meet the dependency conditions laid down by the Corporation.

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  Governing Rule: Rule 40(1) proviso.
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  Age Limit: Lifetime (No upper age limit).
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  Conditions:

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    Applies to a son or daughter suffering from any disorder or disability of mind or physically crippled/disabled that renders them unable to earn a livelihood.
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    Pension is payable for life through a designated legal guardian (or directly if competent).
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    Ceases for a daughter from the date she gets married.
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    Requires periodic submission of medical/dependency certificates verifying they have not started earning a livelihood.

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  Governing Rule: Rule 2(k)(v).
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  Age Limit: No age limit (payable for life).
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  Conditions:

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    Eligible only if the deceased employee left behind neither a surviving spouse nor an eligible child (or if the surviving widow remarried and no eligible children exist).
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    Must have been wholly dependent on the employee during their lifetime.
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    Monthly personal income from all sources must not exceed the prescribed dependency limit.

Category	Maximum Age Limit	Ceases On
Widow / Widower	None	Death or Remarriage
Son	25 Years	Age 25, Marriage, or Earning Livelihood
Unmarried Daughter (Regular)	25 Years	Age 25, Marriage, or Earning Livelihood
Unmarried / Divorced / Widowed Daughter (Extended)	None	Marriage / Remarriage or Earning above limit
Disabled Son / Daughter	None (Lifetime)	Marriage (daughter) or Earning Livelihood
Dependent Parents	None (Lifetime)	Death or Earning above limit

Where there are multiple eligible children, the pension is payable in order of seniority of age (eldest first) until that child reaches 25 or becomes ineligible, after which it passes to the next eligible child. In the case of twin children, the pension is shared equally.