Widows’ and Orphans’ Pension Act 1904

Widows’ and Orphans’ Pension
Act 1904

2020 REVISED EDITION

This revised edition incorporates all amendments up to and including 1 December 2021 and comes into operation on 31 December 2021

An Act to provide for widows’ and orphans’ pensions.

[1 January 1905]

Short title

1.  This Act is the Widows’ and Orphans’ Pension Act 1904.

Interpretation

2.  In this Act, unless there is something repugnant in the subject or context —

“contributor” means and includes every person from whose salary or pension deductions are made in accordance with this Act;

“the Directors” means such persons not less than 3 in number as are appointed by the Minister to carry out the provisions of this Act subject to the control of, and to rules for their guidance made by, the President;

“entitled officer” means an entitled officer, as defined in any of the written laws specified in the first column of the Second Schedule, who retires under the provisions of such written law specified in the second column of that Schedule;

“of a pensionable age”, as applied to children, means, in the case of a male, that he is under the age of 21 years, and, in the case of a female, that she is under the age of 21 years and has not been married;

“officer on the Malayan Establishment” means an officer whom the President has by notification in the Gazette declared to be on the Malayan Establishment;

“Pension Fund” means the Pension Fund established by the Pension Fund Act 1995;

“public servant” means an officer holding a pensionable office or an officer serving on probation or on agreement in a pensionable office, in the service of the Government, but does not include an officer —

(a) who is not restricted by law to one wife at a time;

(b) who, on or after 2 March 1961 —

(i) is appointed to a pensionable office; or

(ii) is appointed to a pensionable office on probation or on agreement, in the service of the Government;

(c) who is transferred to the service of the Government under section 9 of the Local Government Integration Act (Cap. 166, 1985 Revised Edition) or section 5 of the Planning Act 1998; or

(d) in the service of the Government before 2 March 1961 who becomes restricted by law to one wife at a time on or after 1 April 1965, unless, within one month from the date he becomes so restricted, he gives notice in writing to the Directors of his desire to become a contributor, whereupon the provisions of this Act shall apply to him from the date of such notice.

[8/1995]

Pensions, etc., to be charged on Pension Fund

2A.  There shall be charged on and paid out of the Pension Fund all sums of money payable by way of pension in accordance with this Act.

[8/1995]

Contributions to be credited to Pension Fund

3.  All contributions and other revenues receivable from public officers under this Act shall be carried to the credit of the Pension Fund:

Provided that the sums so received shall not be assessable for military contribution.

[8/1995]

Abatements from salaries to be made

4.—(1)  A monthly abatement shall be made from the salary or pension of every public servant and all such abatements shall be paid into the Pension Fund:

Provided that where an officer was or is serving on probation or on agreement in a pensionable office on or after 11 December 1950, he may, not later than 31 December 1958, or 6 months after the commencement of such service, whichever is the later, by giving notice in writing to the Directors of his desire to do so, elect not to become or to cease to be a contributor, as the case may be, and in such case the provisions of this Act shall cease to apply to such officer in respect of the period of his service on probation or on agreement, and there shall be repayable to him the total amount of any contribution which he may have made.

[8/1995]

(2)  Such abatements shall be calculated at the rate of 4% of the monthly salary of the contributor:

Provided that, unless and until notice has been given as provided in section 9(1), the abatement to be made in the case of a contributor who has retired on pension or who has suffered reduction of salary shall be calculated upon the salary drawn by such contributor immediately prior to such retirement or reduction, as the case may be.

(3)  In the case of an officer holding or having held a post, the salary of which is on a sterling basis, the abatement shall be made in dollars at 4% of such sterling salary converted into dollars at the rate from time to time fixed by the Government for the payment of such salaries or pensions.

(4)  Contributions shall continue to be made on the full salary whenever an officer is on leave of absence with half salary or without salary.

(5)  An officer who held a non-pensionable office in the service of the Government and was appointed to a pensionable office before 2 March 1961 shall be deemed to have entered such service on the date of such appointment.

Period for which abatement shall be made

5.—(1)  Such abatement shall continue to be made until the contributor attains the age of 65 years, if he continues so long to draw salary or pension from the Government, or until such abatement has been made for 35 successive years, counting from the first abatement of his original salary, in either of which events such abatement shall cease.

Abatement to be made from salary of permanent post

(2)  Such abatement shall be calculated on the salary of the permanent appointment of the contributor irrespective of any temporary increment of salary which he derives from an acting appointment, and irrespective of personal and other allowances except pensionable personal allowances which shall be deemed to be part of the contributor’s salary for the purpose of calculating such abatement.

Abatement during period of enemy occupation

6.—(1)  Notwithstanding anything in sections 3, 4 and 5, where a public servant was not during the period of enemy occupation and during any period thereafter until his re‑appointment in the service of the Government, drawing the full salary or any part of his salary, abatements calculated on the salary for which that public servant would have been eligible in accordance with his salary scheme were it not for the enemy occupation shall be deemed to have been made during such period or periods under and in accordance with the provisions of this Act:

Provided that for the purpose of any repayment to contributors as provided in sections 13, 14 and 15(2)(b) only the contributions actually made shall be taken into account.

(2)  In this section, “the period of enemy occupation” means the period commencing on 8 December 1941 and continuing to 31 August 1945.

Contributor retiring under certain laws

7.—(1)  Every contributor who is an entitled officer shall, at his option exercisable as hereinafter provided, be entitled either —

(a) to cease to contribute, in which event his widow or children, as the case may be, shall be entitled on his death to a pension computed on the basis of the interest acquired by such contributor at the date of his ceasing to contribute in accordance with the Rules and Tables set out in the First Schedule;

(b) to make a single contribution calculated in accordance with the Rules and Tables set out in the First Schedule, in which event his widow or children, as the case may be, shall be entitled on his death to a pension computed on the basis of the contributor having contributed for the remainder of the period of 35 years or until he had attained the age of 65 years or, in the event of the contributor dying before the expiration of that period or attaining that age, until the date of his death; or

(c) after furnishing such proof as the Directors may require that his wife is in a normal state of health, to cease to contribute and be paid a sum calculated in accordance with the Rules and Tables set out in the First Schedule in which case the rights of the contributor and of his widow and children shall cease.

(2)  The option shall be exercisable before the expiration of a period of 6 months from the date of the retirement of the contributor or before 31 July 1958, whichever shall be the later.

(3)  The exercise by a contributor of the option shall be irrevocable.

(4)  The option shall be exercisable by written notification addressed to the President.

Exercise of option

8.—(1)  Every contributor shall, at his option exercisable as is provided in this section, be entitled to —

(a) cease to contribute and elect that his widow or his widow and children or his children, as the case may be, shall be entitled, on his death, to a pension, computed on the basis of the interest acquired by the contributor at the date of his ceasing to contribute in accordance with the Rules and Tables set out in the First Schedule;

(b) cease to contribute and elect that he be paid —

(i) a sum calculated in accordance with the Rules and Tables set out in the First Schedule if, at the time of his election, he is a contributor with a wife or wife and children or children, as the case may be;

(ii) a sum calculated in accordance with section 14(a) if, at the time of his election, he is a bachelor; or

(iii) a sum calculated in accordance with the Rules and Tables set out in the First Schedule and section 14(b) if, at the time of his election, he is a widower without children:

Provided that the rights of every such contributor under this Act shall cease; or

(c) elect to continue to contribute in accordance with the provisions of this Act.

(2)  The option shall be exercisable by written notification to the Permanent Secretary to the Ministry of Finance before the expiration of 6 months from 1 April 1965, and when so exercised shall be irrevocable.

(3)  For the purposes of subsection (1), a contributor shall be deemed to include a person from whose salary or pension deductions had been made in accordance with the provisions of this Act, until he attained the age of 65 years or had made contributions for 35 successive years.

Contributions where official income is reduced

9.—(1)  If the official income of a contributor becomes reduced, whether by reduction of salary or by his retirement on pension, he may, upon giving notice in writing to the Directors of his desire to do so, contribute for the remainder of the 35 years or until he attains the age of 65 years, upon the actual amount of his salary or pension, as the case may be, in which case his widow or children shall, subject as hereinafter provided, be entitled to pension accordingly; and where the official income of a contributor becomes reduced by retirement on pension on account of ill health, he may also upon giving notice in writing to the Directors of his desire to do so, cease to contribute.

(2)  If a contributor who has retired on pension on account of ill health and has given notice as provided in subsection (1) that he desires to contribute on the actual amount of his pension dies within 3 years of the date of his retirement, his widow or children shall be entitled to such pension computed on the basis of the pension rights acquired by such contributor at the date of his retirement in accordance with the Rules and Tables set out in the First Schedule.

(3)  If a contributor who has retired on pension on account of ill health and has given notice as provided in subsection (1) that he desires to cease to contribute dies within 2 years of the date of his retirement, his widow or children shall be entitled to a pension computed on the basis of the pension rights acquired by such contributor at the date of his retirement in accordance with the Rules and Tables set out in the First Schedule.

(4)  Any notice given by a contributor under subsection (1) shall be irrevocable, except in the case of an entitled officer who having retired before 30 April 1958 exercises his option under section 7 before 31 July 1958.

(5)  Where such reduction of official income is due to retirement on a pension and the contributor draws a pension not only from Singapore, but also from Malaysia, he shall, if he elects to contribute on his reduced salary or pension in accordance with subsection (1), contribute on the aggregate amount of the pensions granted to him by Singapore and by Malaysia, and such aggregate amount shall, for the purposes of this section and subject to subsection (7), be deemed to be his reduced official income.

(6)  Where a contributor only contributes on his reduced official income, any pension to his widow or children shall be diminished in the same proportion as it would have been increased had his rate of contribution been raised instead of being lowered.

(7)  The pension of a contributor to whom a gratuity and reduced pension have been granted shall, for the purpose of calculating the amount of the abatements to be made under this section, be deemed to be the equivalent of four-thirds of such reduced pension.

Contributor retiring on account of ill health

10.  If a contributor who holds a pensionable office retires on account of ill health before he is entitled to a pension and dies within 2 years of the date of his retirement, his widow or children shall be entitled to a pension computed on the basis of the pension rights acquired by such contributor at the date of his retirement in accordance with the Rules and Tables set out in the First Schedule.

Contributor retired on pension

11.  If a contributor who has retired on a pension subsequently ceases to have a wife or child who would on his death be entitled to pension, he shall thereupon cease to contribute and his rights under this Act shall cease.

Interest of contributors retiring without pension

12.—(1)  A married contributor or a contributor who is a widower with children of a pensionable age who retires from the service of the Government before he is entitled to a pension may continue to contribute, from and after the date of his ceasing to draw salary, on the salary which he was receiving from the Government at such date and at the same rate and subject to the same terms and conditions as if he had continued in the service of the Government:

Provided that as soon as such contributor ceases to have a wife or child who would on his death be entitled to pension he shall forthwith cease to contribute and his rights under this Act shall cease.

(2)  In the event of any such contributor failing to contribute, or in the event of any contribution due from him being in arrear for 6 months, it shall be considered that he has ceased to be a contributor and his widow or children, as the case may be, shall be entitled on his death to a pension computed only on the basis of the pension rights acquired by that contributor at the date of his ceasing to contribute in accordance with the Rules and Tables set out in the First Schedule.

Refund of contribution to bachelor or widower without children of a pensionable age

13.—(1)  If a contributor being a bachelor or a widower without children of a pensionable age retires from the service of the Government, he shall cease to contribute and his rights under this Act shall cease, except as provided in subsection (2).

(2)  If a contributor being a bachelor or a widower without children of a pensionable age dies while in the service of the Government or retires from the service of the Government there shall be payable to him or to his legal representative —

(a) if such contributor is a bachelor, the total amount of his contributions together with compound interest thereon calculated with annual rests at the rate of 2½%; and

(b) if such contributor is a widower without children of a pensionable age, the total amount of the contributions which he has paid since the death of his last wife or the ceasing to be of pensionable age of his last child, whichever event shall last have happened together with compound interest thereon calculated with annual rests at the rate of 2½%.

Provisions consequent upon an officer being removed

14.  A contributor who is removed from the service of the Government shall cease to contribute under this Act, and —

(a) where such contributor is a bachelor, the total amount of his contributions under this Act shall be repaid to him, together with compound interest thereon calculated with annual rests at the rate of 2½%, subject to the deduction of any sums due by him to the Government;

(b) where such contributor is a widower without children of a pensionable age, the total amount of the contributions which he has paid since the death of his last wife or the ceasing to be of a pensionable age of his last child, whichever event shall have last happened, shall be repaid to him, together with compound interest thereon calculated with annual rests at the rate of 2½%, subject to the deduction of any sums due by him to the Government; and

(c) where such contributor is married or is a widower with children of a pensionable age, his widow or children, as the case may be, shall be entitled to a pension computed on the basis of the pension rights acquired by such contributor at the date of the cessation of his contributions in accordance with the Rules and Tables set out in the First Schedule.

Contributor transferred to other Government employment in country where the law provides for granting pensions to widows and children

15.—(1)  When a contributor is transferred from the service of the Government to other employment under the Government of a British Dominion, Colony, Protected State or Protectorate or a territory in respect of which a mandate, or trusteeship on behalf of the League of Nations or the United Nations is being exercised by Her Majesty, where provision is made by law for the granting of pensions to widows and children of persons employed in its service, he shall cease to contribute under this Act as soon as he becomes a contributor under the provisions of that law, but so that nevertheless —

(a) his widow or children, as the case may be, shall be entitled on his death to a pension computed on the basis of the pension rights acquired by such contributor at the date of the cessation of his contributions in accordance with the Rules and Tables set out in the First Schedule;

(b) if he retires or is removed from the service of such Dominion, Colony, Protected State, Protectorate or territory, or dies while in the service thereof, and is at the time of such retirement, removal or death a widower without children of a pensionable age or a bachelor, section 13 or 14, as the case may be, shall be deemed to apply;

(c) until he ceases to contribute under the provisions of this Act, his contribution shall be on the salary of the last substantive appointment held by him in Singapore at the date of his transfer, at the same rate and subject to the same terms and conditions as if he had continued in the service of the Government.

Contributor transferred to country where no such law exists

(2)  When a contributor is transferred to such Dominion, Colony, Protected State, Protectorate or territory other than North Borneo, where no provision has been made by law for granting such pensions as aforesaid, such contributor shall —

(a) if married, or a widower having children of a pensionable age, be entitled, on giving notice in writing to the Directors within one month after his transfer from the service of the Government of his desire to do so, to continue to be a contributor on the salary of the last substantive appointment held by him in Singapore at the date of his transfer, at the same rate and subject to the same terms and conditions as if he had continued in the service of the Government;

(b) if then a widower without children of a pensionable age or a bachelor, be entitled to elect, on giving the notice required to be given under paragraph (a), to continue to contribute as is provided in that paragraph or to be paid the total amount without interest of his contributions.

(3)  In the event of the contributions of any such contributor being in arrear for 6 months it shall be considered that he has ceased to be a contributor, and his widow or his widow and children, as the case may be, shall be entitled on his death to a pension computed only on the basis of the pension rights acquired by such contributor at the date of his ceasing to contribute, in accordance with the Rules and Tables set out in the First Schedule.

(4)  (a)  When any such contributor, being a widower without children of a pensionable age or a bachelor, has elected to continue to contribute, then if he retires or is removed from the service of such Dominion, Colony, Protected State, Protectorate or territory, or dies while in the service thereof and is at the time of such retirement, removal or death a widower without children of a pensionable age or a bachelor, section 13 or 14, as the case may be, shall be deemed to apply.

(b)  When any such contributor, being a widower without children of a pensionable age or a bachelor, has elected to be paid the total amount without interest of his contributions, then on such payment being made his rights and liabilities under this Act shall cease.

Contributor transferred to North Borneo

(5)  A contributor who was transferred to the Colony of North Borneo before provision was made by the law of that Colony for granting pensions to widows and children of persons employed in the service of that Colony shall continue to be a contributor under this Act on the salary which for the time being he is entitled to receive in respect of any office held by him in the service of that country at the same rate and subject to the same terms and conditions as if he had continued in the service of the Government.

(6)  In the event of the contribution of such contributor to the Government being in arrear, such arrears, together with interest thereon at the rate of 6%, shall be recoverable from such contributor as a debt due to the Government or shall be deducted from any salary which is subsequently payable to him from the Government.

(7)  Where a contributor either elects or is bound under subsections (2) to (6) to continue his contribution after being transferred as aforesaid, he may cease to contribute under this Act as soon as the Government of the Dominion, Colony, Protected State, Protectorate or territory in whose service he is employed has made provision by law for granting pensions to widows and children of persons employed in its service and he has become a contributor under the provisions of that law.

(8)  In the event of his so electing to cease contributing —

(a) his widow or children, as the case may be, shall be entitled on his death to a pension computed on the basis of the pension rights acquired by such contributor at the date of his so ceasing to contribute in accordance with the Rules and Tables set out in the First Schedule;

(b) if he retires or is removed from the service of such Dominion, Colony, Protected State, Protectorate or territory, or dies while in the service thereof, and is at the time of such retirement, removal or death a widower without children of a pensionable age or a bachelor, section 13 or 14, as the case may be, shall be deemed to apply.

Contributor to Oversea Superannuation Scheme

16.—(1)  If any contributor, or any officer who would, but for this section, be liable to contribute under this Act, becomes a contributor to the Oversea Superannuation Scheme in respect of dependants’ benefits he shall, on written application made within 3 months after the date on which he first became a contributor under that Scheme, or within such extended period as the Directors may, in any particular case, allow, be exempted by the Directors from contributing under this Act, so long as he continues to contribute to that Scheme.

(2)  An exemption granted under subsection (1) shall take effect from the date upon which such contributor or officer first became a contributor to that Scheme, and there shall be repayable to him the total amount of any contributions which he may have made under this Act since that date.

(3)  Section 15(1) shall apply to a contributor who has been exempted under subsection (1) as if he had been transferred to other such employment within the meaning of that subsection.

(4)  An officer who has contributed to the Oversea Superannuation Scheme for the full period required by the said Scheme and has by such contributions provided a pension for his widow and children, shall be deemed for the purpose of subsection (1) to be still contributing to such Scheme.

Definition of service

17.  A public servant who is an officer on the Malayan Establishment shall be deemed for the purpose of this Act to be in the service of the Government except that for the purpose of sections 18 and 19 he shall be deemed to be in the service of Malaysia.

Officers transferred from Malaysia

18.  When an officer in the service of Malaysia who is a contributor under the Widows’ and Orphans’ Pension Enactment (F.M.S. Cap. 26) has been transferred to the service of the Government he shall forthwith become a contributor under this Act on the full salary to which he is from time to time entitled in the service of Singapore except that the period during which he has contributed under the Widows’ and Orphans’ Pension Enactment of Malaysia shall be taken into account in reckoning the period of 35 years referred to in section 5.

Arrears of contribution to Malaysia pension scheme

19.  When an officer in the service of Malaysia who is a contributor under the Widows’ and Orphans’ Pension Enactment thereof, has been transferred to the service of any Malay State where no provision has been made by law for the granting of pensions to widows and children of persons employed in its service and the contribution of that contributor under the said Widows’ and Orphans’ Pension Enactment is in arrear, such arrear shall be deducted from any salary which is subsequently payable to him from the Government.

Officers contributing to approved schemes

20.—(1)  When an officer, who is a contributor to an approved scheme, is transferred to the service of the Government, and continues after the transfer to contribute to that scheme, he shall, on written application, be exempted by the Directors from contributing under the provisions of this Act, so long as he continues to contribute to that scheme.

(2)  No application for exemption under subsection (1) shall be valid unless it is received by the Directors within 3 months or within such extended period as the Directors may, in any particular case, allow from the date when such officer arrives to assume duty in Singapore.

(3)  An officer who has contributed to an approved scheme for the full period required by that scheme and has by such contributions provided a pension for his widow or children shall be deemed for the purposes of subsection (1) to be still contributing to the scheme.

(4)  An officer exempted under subsection (1) shall not subsequently become a contributor under this Act unless either he ceases to contribute to such approved scheme or, having left the service of the Government, he is subsequently reappointed to it.

(5)  Nothing in this section shall exempt an officer who on re‑appointment to the service of the Government is already a contributor under this Act from continuing his contributions hereunder.

(6)  Where an officer who is a contributor to an approved scheme is transferred to the service of the Government and ceases after the transfer to contribute to that scheme, any period during which he was a contributor to that scheme shall be taken into account in reckoning the period of 35 years referred to in section 5.

(7)  In this section, “approved scheme” means a scheme for the granting of pensions to widows and children of officers, which has been declared by the Minister to be an approved scheme for the purposes of this section.

Rules for payment when a contributor on leave of absence or pensioner is paid by the Crown Agents

21.—(1)  When a contributor on leave of absence is paid by the Crown Agents, he shall be entitled to receive 96% or 46% of his nominal salary according as he is on full or half pay leave converted in the case of dollar salaries into sterling at the rate of exchange at which the contributor is entitled to receive such salary.

(2)  When a contributor receives his pension through the Crown Agents the pension —

(a) if a dollar pension, shall be reduced by the amount of his dollar contributions and the balance thus reduced shall be payable to him converted into sterling at the rate of exchange at which he is entitled to receive such pension; and

(b) if a sterling pension, shall be payable to him reduced only by 4% of his sterling salary or pension, as the case may be.

Register of contributions to be kept

22.—(1)  A register shall be kept by the Directors in which shall be entered the date of the birth of every contributor and, if he is married, the dates of the births of his wife and children, if any, and all other dates and particulars respecting contributors and their families material to be recorded for the purposes of this Act.

By those hereafter appointed

(2)  Every public servant who enters the service of the Government shall, within 6 months after the date of so entering, notify to the Directors the date of his birth and, if he is a married man, the date of his marriage and of the births of his wife and children, if any, all duly proved to the satisfaction of the Directors by affidavit or otherwise.

To notify marriage or divorce

(3)  Every contributor who marries or whose marriage is annulled or dissolved by the decree of a competent court shall within 3 months after the date of the marriage or the decree, as the case may be, notify the same to the Directors in writing and, in the case of his marriage, state the date of the birth of his wife, duly proved as aforesaid.

To notify birth of child, marriage of daughter and death of wife or child

(4)  Every contributor shall notify the Directors in writing the birth of each child born to him within 3 months from the date of the birth, duly proved as aforesaid, and the marriage of any female child, under the age of 21 years, within 3 months from the date of the marriage, and also, within 3 months from the date of the event, the death of his wife or any of his pensionable children.

Notice of death of contributor and birth of posthumous child and of marriage or death to be notified

(5)  After the death of any contributor, notice of the death and of the birth of any posthumous child born to that contributor, duly proved as aforesaid, and of the marriage of any female child of that contributor, under the age of 21 years, and of the death of any child of that contributor, under the age of 21 years, shall be given in writing by the widow of that contributor to the Directors within 3 months after the date of the event.

Penalty for non-compliance with section 22

23.—(1)  A contributor or widow who fails or neglects to comply with any of the requirements of section 22 shall for each default pay a fine not exceeding $25 which shall be deducted from his or her salary or pension, as the case may be, by the Accountant-General on the certificate of the Directors.

Penalty for false statement

(2)  A contributor who wilfully makes any false statement respecting any of the particulars required to be furnished by this Act shall forfeit at the discretion of the Directors all or any part of his rights under this Act.

Calculation of pensions

24.—(1)  All pensions shall be calculated according to the Rules and Tables set out in the First Schedule.

(2)  The President may vary any of the Rules and Tables referred to in subsection (1).

Pensions, how to be paid in case of sterling salaries

(3)  In the case of contributions made in the manner provided in section 4 for officers holding or having held posts the salary of which is on a sterling basis, the contributions shall for the purpose of calculating pensions be deemed to be fixed sterling contributions and the pensions shall accordingly be fixed and payable in sterling or, if paid in Singapore, shall be converted into dollars at the rate annually or periodically fixed by the Government for the payment in Singapore of officers’ salaries or pensions.

Who not entitled to pension

25.—(1)  The following persons shall not be entitled to any pension under this Act:

(a) a widow whose marriage was contracted after her husband had completed his 35 years of contributions or attained the age of 65 years or retired or been removed from the service of the Government;

(b) the issue of such a marriage;

(c) a widow whose husband dies within 12 calendar months of the marriage without issue of such marriage born in his lifetime or in due time after his death.

(2)  The President may, if he thinks fit, allow to such last mentioned widow all or any part of the pension to which she would have been entitled but for subsection (1)(c).

(3)  References in this Act to “widow” and to “child or children of a pensionable age” shall not include a widow whose marriage was contracted in the circumstances mentioned in subsection (1) and the issue of such marriage.

Pension, when to commence

26.  The pension payable to a widow or child or children under this Act shall commence upon the death of the husband or father or mother, as the case may be, shall accrue daily, and shall be payable monthly free from any deduction.

When widow’s pension ceases

27.—(1)  A widow’s pension shall cease on her death or remarriage or on her becoming a bankrupt.

(2)  When a widow’s pension ceases in her lifetime she shall for the purposes of this Act be deemed to have died at the time of such cesser:

Provided that if a widow’s pension ceases in her lifetime by reason of her bankruptcy the President may from time to time during the remainder of her life or during such shorter period or periods, either continuous or otherwise, as he thinks fit, direct the payment of all or any part of so much, if any, of the said pension as is not for the time being payable to any child or children of such widow or of any husband of hers under this Act to, or apply the same for the maintenance and personal support or benefit of, such widow in such manner as he thinks proper.

Dissolution of marriage

28.  When the marriage of any contributor has been annulled or dissolved by the decree of any competent court the wife, party to such marriage, shall for all purposes of this Act be deemed to have died and the contributor to have become a widower at the date of such decree.

When children’s pensions cease

29.  Children’s pensions shall cease, in the case of a male, on his attaining the age of 21 years and, in the case of a female, on her attaining the age of 21 years or marrying under that age.

Pension of widow where no child by previous marriage of contributor

30.  If a contributor dies leaving a widow but no child of a pensionable age by a previous marriage, the widow shall be entitled to receive a pension calculated according to the Rules and Tables set out in the First Schedule applicable to her case under this Act.

Pension of child where no widow alive at death of contributor

31.  If a contributor dies leaving no widow but a child or children of a pensionable age by one marriage, such child or children shall be entitled to receive the pension which his or their mother would have been entitled to, if she had survived the contributor.

Pensions of children by 2 or more marriages where no widow alive at death of contributor

32.  If a contributor dies leaving no widow but children of a pensionable age by 2 or more marriages, the child or children of each marriage shall be entitled to receive one‑half, one‑third or one‑quarter, as the case may be, of the pension which his or their mother would have been entitled to, if she had survived the contributor and there had been no child by any other marriage.

Where contributor dies leaving a widow and a child or children by a previous marriage

33.  If a contributor dies leaving a widow and also a child or children of a pensionable age by one previous marriage —

(a) the widow shall be entitled to receive one-half of the pension which she would have been entitled to receive, if there had been no such child or children; and

(b) such child or children shall be entitled to receive one‑half of the pension which his or their mother would have been entitled to, if she had survived the contributor.

Where contributor dies leaving a widow and children by 2 or more marriages

34.  If a contributor dies leaving a widow and children of pensionable age by 2 or more marriages —

(a) the widow shall be entitled to receive one‑third or one‑quarter, as the case may be, of the pension which she would have received, if there had been no child by a previous marriage; and

(b) the child or children of each previous marriage shall be entitled to receive one‑third or one‑quarter, as the case may be, of the pension which his or their mother would have been entitled to, if she had survived the contributor and there had been no child by any other marriage.

Pension of child or children where widow ceases to be entitled

35.  When a widow of a contributor ceases to be entitled to a pension, the child or children of a contributor shall be entitled to receive the pension which he or they would have been entitled to receive, if such widow had predeceased the contributor.

Pension of surviving children where child dies or ceases to be of pensionable age

36.  If any child dies or ceases to be of pensionable age, the surviving children of the same marriage shall be entitled to receive the pension to which they would have been entitled, if such child had predeceased the contributor.

Where all the children cease to be of pensionable age

37.  When all the children of any marriage cease to be of pensionable age, the person or persons entitled under the preceding sections shall be entitled to receive the pension which he or they would have been entitled to receive, if there had been no child of such marriage of pensionable age living at the death of the contributor.

Children to take in equal shares

38.  Where children of any marriage are entitled to any pension they shall take the same in equal shares.

Adopted children

39.—(1)  A child adopted by a contributor while he is married to any wife shall, for the purpose of this Act, be deemed to be the child of the contributor by that marriage if —

(a) the contributor adopted the child before he retired from the public service;

(b) the contributor was under the age of 55 years at the date of adoption; and

(c) the adoption is registered under the Adoption of Children Act 1939 or is valid according to the law of the place of domicile of the contributor at the date of the adoption or is valid under any written law corresponding to that Act, of the place where the contributor was resident at the date of the adoption.

(2)  The child of a contributor who has been adopted by any other person in circumstances in which if the adoption had been made by a contributor it would have been valid in accordance with subsection (1)(c) shall not be entitled to receive a pension under this Act unless the contributor so elects by notice in writing given to the Directors within 12 months of the date of the adoption or within 12 months of 1 September 1958, whichever is the later, or within such extended period as the Directors may in any particular case allow.

(3)  Nothing in this section shall entitle an adopted child —

(a) to receive a pension or any share of a pension where the receipt by him of such pension or such share would diminish the pension or share which the widow or any child or children by marriage of any contributor may be entitled to receive on 31 May 1958; or

(b) to receive a pension or any share of a pension in respect of more than one contributor.

What proof to be produced before payment of pensions

40.—(1)  Widows and children claiming to be entitled to pension under this Act and residing outside Singapore shall from time to time produce such proof as the Directors require of their being alive and entitled to pension.

(2)  The payment of any pension may be refused until such proof is furnished to the satisfaction of the Directors.

Discretion as to payment of minors’ pensions

41.—(1)  In all cases where under this Act the parties entitled to pensions are minors, such pensions may, on order of the Directors, be paid either to the legal guardian or guardians of such minors, or to such minors, or to such person or persons as the Directors in their discretion think fit and proper persons to apply the same for the benefit of such minors.

(2)  After payment the Directors and the Government shall be free from all responsibility in respect of such payment.

(3)  In the case of any pension which is paid through the Crown Agents the power given by subsection (1) to the Directors may be exercised through the Crown Agents.

Pension not to be assigned or levied upon

42.  No pension payable under this Act nor the rights of any contributor acquired thereunder shall be assignable or transferable or liable to be attached, sequestrated or levied upon, for or in respect of any debt or claim whatsoever.

Questions and disputes to be decided by the President

43.  All questions and disputes as to who is entitled to be deemed a contributor or as to the right of a widow or child to a pension or as to the amount of such pension or as to the rights or liabilities of any person under this Act shall be referred by the Directors to the President, whose decision shall be binding and conclusive on all parties and shall be final to all intents and purposes and shall not be subject to appeal or be questioned or revised by any court of justice.

Saving as regards contributions made before 1955

44.  The repeal by the Widows’ and Orphans’ Pension (Amendment) Ordinance 1952 of the sections then numbered 7(1), 8, 9, 10, 11 and 12 and the substitution for them of section 9(1), (2), (3) and (4) and sections 10, 11, 12, 13 and 14 do not have effect with respect to the payment or repayment of any contributions made before 1 January 1955; and notwithstanding the repeal of the sections then numbered 8, 9, 11(3) and 12 and the amendment by that Ordinance of the section then numbered 13(2), the provisions of those sections and subsections respectively continue to have effect in relation to the payment or repayment of any such contributions as if that Ordinance had not been enacted.

FIRST SCHEDULE

Sections 7, 8, 9, 10, 12, 14, 15, 24
and 30

Rules and Tables for calculating pensions

A.—Public Officer Who Commenced to Contribute While A Bachelor

1.  FIRST WIFE’S PROSPECTIVE PENSION

(A)  Pension in consideration of the contributions paid
during bachelorhood

  RULE I (a)—Accumulate the contributions at 8% compound interest, with yearly rests at each 31 December, and multiply the result by the quantity found from Table A corresponding to the respective ages next birthday of the husband and wife at the date of marriage.

  The product gives the pension on account of the contributions paid during bachelorhood.

(B)  Pension in consideration of the annual contribution current at the
date of marriage

  Note—The amount of the current annual contribution is obtained by multiplying by 12 the amount of the last monthly contribution.

  RULE I (b)—Turn to the section of Table B which contains in the heading the age of the husband at the date of completion of his period of contribution; and multiply the amount of the current annual contribution by the quantity found from that section corresponding to the respective ages next birthday of the husband and wife at the date of marriage.

  The product gives the pension on account of the annual contribution current at the date of marriage.

  Example of the application of Rules I (a) and I (b):

	Officer born on	31 July 1878.
	Do. commenced to contribute on	1 April 1904.
	Do. married on	30 June 1908.
	Annual contribution, 1 April 1904 to 31 December 1906	$20.
	Annual contribution, 1 January 1907 to date of marriage	$30.
	Date of completion of contribution period	1 April 1939.
	Wife born on	31 August 1888.
	Officer’s age next birthday at date of marriage	30.
	Do.      do.       completion of contribution period	61.
	Wife’s age next birthday at date of marriage	20.

APPLICATION OF RULE I (a).

  Accumulation of contributions paid during bachelorhood —

	Contributions from 1 April to 31 December 1904	$15.00
	Do.       during 1905	20.00
	One year’s interest at 8% on $15	1.20
		$36.20
	Contributions during 1906	20.00
	One year’s interest at 8% on $36.20	2.90
		$59.10
	Contributions during 1907	30.00
	One year’s interest at 8% on 59.10	4.73
		$93.83
	Contributions from 1 January to 30 June 1908	15.00
	Half-year’s interest at 8% on $93.83	3.75
	Total accumulation	$112.58

	Quantity found from Table A —	Husband*           30	}	·554
		Wife*           20

  $112.58 × ·554 = $62.37 = pension in consideration of contributions paid during bachelorhood.

APPLICATION OF RULE I (b).

  Annual contribution current at the date of marriage $30.

  Quantity found from Table B, section for officers aged 61 next birthday at completion of period of contribution —

	Husband*          30	}		5·77.
	Wife*                20 *  Note—Where the ages are not given in the tables, proceed as illustrated in the general examples given in section F.

  $30 × 5·77 = $173.10 = pension in consideration of annual contribution current at marriage.

  Total pension to be recorded on the bachelor contributor marrying —

By Rule I (a)

$ 62.37

By Rule I (b)

173.10

Total

…

$ 235.47

(C)  Variations of pension consequent on increments to, and decrements from, the current annual contribution while the contributor is married to his first wife.

  Note—The cessation of the contribution from any cause before the completion of the full period of contribution must be regarded as a decrement from the current annual contribution equal to the amount of such current annual contribution.

  RULE I (c)—Turn to the section of Table B which contains in the heading the age of the husband at the date of completion of his period of contribution; and multiply the amount of the increment to, or the decrement from, the current annual contribution by the quantity found from that section corresponding to the respective ages next birthday of the husband and wife at the date of the variation of the contribution.

  The product gives the amount to be added to the pension consequent on the increment to the current annual contribution, or, as the case may be, the amount to be deducted from the pension consequent on the decrement from the current annual contribution.

  Example of the application of Rule I (c):

  Assume particulars as in the example subjoined to Rules I (a) and I (b):

	Annual contribution increased on 31 May 1913, from $30 to	$50.
	Annual contribution decreased on 30 April 1918, from $50 to	$40.
	Annual contribution ceased on 31 March 1923. 1913, May 31. Increment to current annual contribution	$20.

  Quantity found from Table B, section for officers aged 61 next birthday at completion of period of contribution —

Husband     35

}

4·74.

Wife          25

  $20 × 4·74 = $94.80 = amount to be added to the pension.

	Pension at marriage, see example subjoined to Rules I (a) and I (b)	$235.47
	Add	94.80
	Pension at 31 May 1913	$330.27
	1918 April 30.—Decrement from current annual contribution	$10

  Quantity found from Table B, section for officers aged 61 next birthday at completion of period of contribution —

Husband     40

}

3·83.

Wife          30

  $10 × 3·83 = $38.30 = amount to be deducted from the registered pension.

	Pension at 31 May 1913, as above	$330.27
	Deduct	38.30
	Pension at 30 April 1918	$291.97
	1923 March 31.—Cessation of contribution regarded as a decrement from current annual contribution	$40

  Quantity found from Table B, section for officers aged 61 next birthday at completion of period of contribution —

Husband     45

}

2·99.

Wife          35

  $40 × 2·99 = $119.60 = amount to be deducted from the pension.

	Pension at 30 April 1918, as above	$291.97
	Deduct	119.60
	Pension at 31 March 1923	$172.37

II.—SECOND, AND SUBSEQUENT, WIFE’S PROSPECTIVE PENSION

(A)  Variations of pension consequent on increments to, and decrements from,
the current annual contribution while the contributor is a widower.

  RULE II (a)—Assume that the contributor is married to a wife of the age that his last preceding wife would have been had she survived to the date of the variation of the contribution, and proceed in accordance with Rule I (c).

  Example of the application of Rule II (a):

  If the particulars be as in the example subjoined to Rule I (c), except that the first wife, who was born on 31 August 1888 died on 30 November 1908, it would be assumed that the contributor was at the date of each of the 3 variations of the contribution married to a wife who was born on 31 August 1888. The calculations will then be identical with those given in the example subjoined to Rule I (c).

(B)  Variations of pension consequent on the remarriage of the contributor.

  Note—No variation of the pension is to be recorded if the second, or subsequent, wife was at the date of the remarriage of the same age next birthday as the last preceding wife would have been had she survived to that date.

  RULE II (b)—If the second, or subsequent, wife was at the date of the remarriage of a less or greater age next birthday than the last preceding wife would have been had she survived to that date, multiply the amount of the pension by the quantity found from Table C corresponding to the age next birthday of the husband at the date of remarriage, and the age next birthday which the last preceding wife would have attained had she survived to that date; multiply the product so obtained by the quantity found from Table A corresponding to the respective ages of the husband and of the second, or subsequent, wife at the date of the remarriage.

  The result gives the pension to be recorded on the remarriage of the contributor.

  Example of the application of Rule II (b):

  Assume particulars as in the example subjoined to Rules I (a) and I (b).

	First wife died on	30 November 1908.
	Contributor remarried on	31 January 1913.
	Contributor’s age next birthday at date of remarriage	35.
	Second wife born on	30 June 1893.
	Second wife’s age next birthday at date of the remarriage	20.
	Age next birthday which the first wife would have attained had she survived to date of the remarriage	25.

  1913 January 31.—The second wife being of a less age next birthday at the date of the remarriage than the first wife would have been had she survived, the pension $235.47 see example subjoined to Rules I (a) and I (b), is to be recalculated.

  Quantity found from Table C —

Husband     35

}

2·074.

Wife          25

  Quantity found from Table A —

Husband     35

}

·462.

Wife          20

  $235.47 × 2·074 = $488.36.

  $488.36 × ·462 = $225.62 = pension at 31 January 1913.

(C)  Variations of pension consequent on increments to, and decrements from, the current annual contribution while the contributor is married to his second, or subsequent, wife.

  RULE II (c)—Proceed as in Rule I (c).

B.—Public Officer Who Commenced to Contribute While Married III.—FIRST WIFE’S PROSPECTIVE PENSION

  Note—In every case of a public officer who commenced to contribute while married, the wife at the date of commencement of the contribution is to be considered as the officer’s first wife, and no particulars are to be recorded respecting any former wife to whom he may have been married, unless there is issue of such former wife of a pensionable age (see D.—Pensions to orphan children).

(A)  Pension in consideration of the annual contribution current at the date of commencement of the contribution

  RULE III (a)—Turn to the section of Table B which contains in the heading the age of the husband at the date of completion of his period of contribution; and multiply the amount of the current annual contribution by the quantity found from that section corresponding to the respective ages next birthday of the husband and wife at the date of commencement of the contribution.

  The product gives the pension on account of the annual contribution current at the date of commencement of the contribution.

  Example of the application of Rule III (a):

	Officer born on	31 August 1870.
	Do. married on	30 June 1899.
	Do. commenced to contribute on	31 July 1910.
	Annual contribution current on 31 July 1910	$100.
	Date of completion of contribution period	31 August 1935.
	Wife born on	31 October 1880.
	Officer’s age next birthday on 31 July 1910	40.
	Officer’s age at completion of contribution period	65.
	Wife’s age next birthday on 31 July 1910	30.
	1910 July 31.—Current annual contribution	$100.

  Quantity found from Table B, section for officers aged 65 next birthday at completion of period of contribution —

Husband     40

}

3·99.

Wife          30

  $100 × 3·99 = $399.00 = pension in consideration of annual contribution current at commencement of contribution.

(B)  Variations of pension consequent on increments to, and decrements from, the current annual contribution while the contributor is married to his first wife.

  RULE III (b)—Proceed as in Rule I (c).

IV.—SECOND, AND SUBSEQUENT, WIFE’S PROSPECTIVE PENSION

(A)  Variations of pension consequent on increments to, and decrements from,
the current annual contribution while the contributor is a widower.

  RULE IV (a)—Proceed as in Rule II (a).

(B)  Variations of pension consequent on the remarriage of the contributor.

  RULE IV (b)—Proceed as in Rule II (b).

(C)  Variations of pension consequent on increments to, and decrements from, the current annual contribution while the contributor is married to his second, or subsequent, wife.

  RULE IV (c)—Proceed as in Rule I (c).

C.—Public Officer Who Commenced to Contribute While A Widower V.—SECOND, AND SUBSEQUENT, WIFE’S PROSPECTIVE PENSION

  RULE V—For the purpose of calculating the pension assume that the deceased wife survived to the date of commencement of the contribution and died immediately afterwards; then proceed in accordance with the rules applicable to the case of officers who commenced to contribute while married (see B).

D.—Pensions to Orphan Children VI.—ORPHANS’ PENSIONS AT DEATH OF WIDOWER CONTRIBUTOR

(A)  Case where the orphans are the issue of the same wife.

  RULE VI (a)—Divide the amount of the pension of the widower contributor equally among the children entitled for the time being.

  Example of the application of Rule VI (a):

  Pension of widower contributor at his death $150 per annum.

  Children entitled on his death —

Spinster daughter aged

19.

Son aged                  

14.

Son aged                  

12.

  Each of the 3 children will take a pension of $50 per annum.

  If the spinster daughter marry at the age of 20 the 2 sons will each take a pension of $75 per annum.

  If the younger son subsequently die at the age of 15 the elder son will take the full pension of $150 per annum.

(B)  Case where the orphans are the issue of different wives.

  Note—The rules here given provide for the case of 2 wives only.

  RULE VI (b)—(1) Divide equally among such of the children of the first wife as may be entitled for the time being one moiety of the pension which the first wife would have received had she survived the contributor.

(2)  Divide equally among such of the children of the second wife as may be entitled for the time being one moiety of the pension which the second wife would have received had she survived the contributor, and had there been no issue of the first wife entitled to pension.

(3)  So soon as all children of either the first wife or the second wife have ceased to be entitled to pension, divide equally among such of the children of the other wife as may be entitled for the time being the whole of the pension which such other wife would have received had she survived the contributor, and had there been no issue of the first wife entitled to pension.

VII.—ORPHANS’ PENSIONS AT DEATH OR REMARRIAGE OF WIDOW

  RULE VII—Divide the amount of the widow’s pension equally among her children entitled for the time being.

  Example of the application of Rule VII:

  Amount of widow’s pension at her death or remarriage—$150 per annum.

  Children entitled at her death:

  Assuming the particulars as in the example subjoined in Rule VI (a) proceed as therein indicated.

VIII.—ORPHANS’ PENSIONS AT DEATH OF MARRIED CONTRIBUTOR

  RULE VIII—In the case where a contributor dies leaving a widow, and also children the issue of a previous marriage, divide equally among such of the children of the first wife as may be entitled for the time being one moiety of the pension which the first wife would have received had she survived the contributor. On the widow’s pension ceasing, divide equally among such of the children of the first wife as may be entitled for the time being the whole of the pension which the first wife would have received had she survived the contributor.

  Note—In this case, so long as the children of the first wife are entitled to pension, the widow’s pension is one moiety of that which she would have received had there been no such children.

E.—Retirement of Entitled Officers and Repayment to Contributors Who Exercise Their Option under Section 8 of the Act IX.—SINGLE CONTRIBUTION

  RULE IX.—The single contribution referred to in section 7(1)(b) of the Act is calculated by multiplying the annual contribution, calculated at the rate of 4% of his salary or pension, by the Table B factor and dividing the product by the Table A factor, both factors corresponding to the ages next birthday of the officer and his wife at the date of retirement.

  Example of the application of Rule IX:

  If an officer, who is 61 next birthday at the completion of the period of contribution, is 40 next birthday and his wife 35 next birthday at the date of retirement the single contribution necessary to commute an annual contribution of $400 per annum is 400 × 4.06 ÷ .449 = $3,620. In this case 4.06 is the value in Table B for officers who will be aged 61 next birthday at completion of contributions and .449 is the value in Table A.

X.—REPAYMENT

  RULE X.—The sums referred to in sections 7(1)(c) and 8(1)(b)(i) and (iii) of the Act are calculated by subtracting from the officer’s prospective pension, calculated in accordance with the foregoing rules, the product of his annual contribution and Table B factor and multiplying the product by the Table C factor, both factors corresponding to the ages on the next birthday of the officer and his wife after the date of retirement or after the date of his exercising the option to cease to contribute under section 8 of the Act, as the case may be.

  Example of the application of Rule X:

  An officer aged 40 next birthday with a wife aged 35 has a registered pension of $4,000 per annum based on continued annual contribution of $400 up to the age of 61 next birthday. If he ceases to contribute on retirement his paid-up registered pension will be $4,000 minus $400 × 4.06 = $2,376. In this case 4.06 is the value in Table B for officers who will be 61 next birthday at completion of contributions. To calculate the refundable sum $2,376 must be multiplied by 2.226, being the appropriate value in Table C, giving a product of $5,288.

F.—Public Officer Transferred to the Service of Another Country

  Throughout these rules and examples the calculations depend, not on the official income of the contributor, but on the amount of his contribution to the Fund, so that the transfer of a public officer to the service of another country does not affect his pension unless the amount of his current annual contribution is varied, in which case the proper adjustment is to be made in accordance with the preceding rules.

G.—Calculation of Quantities (or Tabular Results) for Ages Not Given in the Tables

  TABLE A.—The quantities are given for every age of the husband from 15 to 64; and for every fifth age of the wife from 15 to 65. Ages of husbands and wives below or beyond are to be treated as the youngest and oldest ages given respectively.

  For the intermediate ages of wives, interpolate by first differences, as follows:

  To find the quantity corresponding to the ages of a husband and wife aged respectively 35 and 27 next birthday.

	The quantity for ages 35 and 25 given in the Table is		·482
	The quantity for ages 35 and 30 given in the Table is		·507

  So that the addition of 5 years to the age of the wife results in an addition of ·025 to the quantity given in the Table for ages 35 and 25.

  An addition of 2 years to the age of the wife accordingly results by proportion in an addition of two‑fifths of 0·025 to the quantity given in the Table for ages 35 and 25.

  Two-fifths of ·025 = ·010, which added to ·482 gives ·492 which is the required quantity corresponding to ages 35 and 27.

  TABLE B.—This Table is divided into 11 sections respectively applicable to officers who will be aged next birthday 55, 56, 57 . . . up to 65, when they complete their period of contribution. Care should in all cases be taken to turn to the section which contains in the heading the age of the husband at the date of completion of his period of contribution.

  In each section the quantities are given for 35 consecutive ages of the husband, terminating at the age preceding that at which the contribution ceases, and for every fifth age of the wife from 15 to 65.

  Ages of the wife below or beyond are to be treated as the youngest and oldest ages given respectively. For the intermediate ages of wives interpolate by first differences as explained above. Thus the quantity found from the first section of the Table (age 55) corresponding to the ages of a husband and wife aged respectively 45 and 38 next birthday is three‑fifths of ·18, added to 2·39 which gives 2·498.

  For officers who commence to contribute at an earlier age than 20 next birthday the method of calculation given in the subjoined examples is to be followed:

  Example (1) —

An officer aged 17 next birthday, having a wife aged 15 next birthday, commences to contribute. Assume that the officer is aged 20 next birthday, so that the quantity found from Table B will be 8·30.

  This officer receives an increment of salary at age 22 next birthday, when his wife’s age is 20. Assume that his age is 25 next birthday, i.e., his actual age 22, plus the difference between his actual age at entry and 20, which is 3 years. The quantity found from Table B will be 7·00.

  Example (2) —

An officer aged 19 next birthday commences to contribute as a bachelor, and 5 years later, when aged 24 next birthday, marries; his wife’s age being 20 next birthday. The quantity found from Table A in accordance with Rule I (a) will be taken for the actual ages (husband 24 and wife 20) and will be ·683. With respect to the current annual contribution at marriage, assume that the officer’s age is 25 (his actual age plus one) so that the quantity found from Table B will be 7·00.

  This officer receives an increment of salary when aged 39, when his wife’s age is 35. Assume as before that the ages are 40 and 35 respectively, so that the quantity found from Table B will be 3·61.

  Note—It will be observed that this method takes accounts of the actual number of years for which the annual contribution will run. In example (1), when the officer receives the increment of salary at age 22 he has contributed to the fund for 5 years, so that at the expiration of 30 years his contributions will cease. Similarly in example (2), when the officer marries at age 24, he also has contributed to the fund for 5 years, so that although he is 2 years older than the officer in Example (1), yet the unexpired period of contribution is the same in each case, and the wife’s age is in each instance 20, so that no important error is involved in using the same tabular quantity for the 2 cases.

  TABLE C.—The quantities are given for the same ages as in Table A. Ages of husbands and wives below and beyond are to be treated as in using that Table.

  For the intermediate ages of wives interpolate by first differences as explained above, except that it must be noted that in this Table an addition to the age of the wife results in a deduction from the quantity given in the Table.

  To find the quantity corresponding to the ages of a husband and wife aged respectively 35 and 27 next birthday.

	The quantity for ages 35 and 25 given in the Table is		2·074.
	The quantity for ages 35 and 30 given in the Table is		1·974.

  So that the addition of 5 years to the age of the wife results in a deduction of ·100 from the quantity given in the Table for ages 35 and 25.

  An addition of 2 years to the age of the wife accordingly results by proportion in a deduction of two‑fifths of ·100 from the quantity given in the Table for ages 35 and 25.

  Two-fifths of  ·100 = ·040, which deducted from 2·074 leaves 2·034 which is the required quantity corresponding to ages 35 and 27.

TABLE A

THE YEARLY PENSION, payable by monthly instalments, which a SINGLE CONTRIBUTION of 1 will secure.

Age of husband next birthday	AGE OF WIFE NEXT BIRTHDAY
	15	20	25	30	35	40	45	50	55	60	65
15	·867	·900	·940	·990	1·055	1·134	1·238	1·389	1·595	1·866	2·242
16	·844	·876	·916	·964	1·028	1·106	1·208	1·353	1·550	1·812	2·188
17	·821	·851	·890	·938	1·000	1·078	1·178	1·318	1·506	1·758	2·132
18	·797	·827	·865	·912	·972	1·047	1·146	1·282	1·464	1·706	2·075
19	·774	·801	·839	·884	·943	1·016	1·112	1·249	1·420	1·658	2·008
20	·751	·779	·814	·858	·916	·987	1·080	1·214	1·378	1·608	1·938
21	·728	·755	·789	·833	·887	·958	1·048	1·177	1·337	1·558	1·873
22	·705	·730	·763	·806	·859	·928	1·016	1·140	1·297	1·508	1·812
23	·683	·707	·738	·780	·831	·899	·983	1·104	1·253	1·460	1·748
24	·660	·683	·713	·754	·803	·869	·952	1·067	1·212	1·411	1·686
25	·639	·660	·690	·728	·776	·838	·919	1·032	1·172	1·364	1·623
26	·618	·638	·667	·703	·750	·809	·887	·997	1·134	1·318	1·562
27	·597	·616	·644	·679	·725	·781	·857	·963	1·096	1·272	1·504
28	·577	·595	·622	·655	·699	·753	·826	·930	1·059	1·229	1·449
29	·556	·573	·600	·632	·674	·727	·797	·898	1·024	1·185	1·397
30	·536	·554	·578	·609	·649	·700	·769	·866	·988	1·142	1·346
31	·518	·534	·558	·587	·626	·674	·741	·835	·954	1·101	1·295
32	·500	·516	·538	·565	·602	·650	·714	·804	·921	1·063	1·245
33	·482	·497	·519	·545	·580	·627	·688	·776	·888	1·025	1·199
34	·465	·479	·500	·525	·558	·604	·662	·747	·856	·988	1·155
35	·448	·462	·482	·507	·538	·582	·638	·720	·825	·953	1·114
36	·434	·446	·465	·489	·519	·562	·615	·695	·795	·919	1·075
37	·419	·430	·449	·472	·501	·542	·593	·670	·766	·886	1·038
38	·405	·415	·433	·455	·483	·522	·572	·645	·739	·854	1·003
39	·391	·401	·417	·439	·466	·503	·551	·621	·712	·824	·969
40	·378	·387	·402	·423	·449	·484	·530	·598	·686	·795	·936
41	·365	·374	·388	·408	·433	·466	·509	·575	·661	·768	·906
42	·353	·361	·375	·393	·417	·449	·490	·554	·637	·741	·876
43	·341	·349	·362	·379	·402	·432	·472	·533	·614	·716	·848
44	·330	·337	·349	·366	·387	·416	·454	·513	·591	·692	·820
45	·318	·325	·337	·353	·373	·401	·438	·494	·570	·667	·792
46	·307	·314	·326	·341	·360	·386	·422	·476	·549	·642	·764
47	·297	·304	·315	·329	·347	·373	·407	·459	·529	·618	·738
48	·287	·294	·304	·318	·336	·359	·393	·443	·510	·595	·713
49	·278	·284	·294	·307	·323	·347	·378	·427	·491	·572	·689
50	·268	·275	·284	·296	·312	·335	·365	·411	·474	·551	·666
51	·260	·266	·275	·286	·301	·323	·352	·396	·457	·531	·644
52	·251	·258	·266	·277	·291	·312	·340	·382	·440	·513	·624
53	·244	·250	·258	·268	·282	·301	·328	·369	·425	·496	·604
54	·236	·242	·250	·259	·272	·291	·317	·356	·410	·482	·586
55	·228	·234	·242	·251	·264	·281	·306	·344	·396	·467	·568
56	·221	·227	·234	·243	·256	·272	·296	·333	·383	·453	·552
57	·215	·220	·227	·236	·248	·263	·286	·322	·372	·440	·536
58	·208	·214	·220	·229	·240	·255	·277	·312	·360	·427	·522
59	·202	·207	·214	·222	·233	·247	·268	·302	·350	·415	·508
60	·196	·201	·208	·216	·226	·240	·260	·293	·340	·404	·495
61	·190	·196	·202	·210	·220	·232	·252	·284	·330	·393	·484
62	·184	·190	·196	·204	·214	·226	·244	·275	·321	·383	·473
63	·179	·185	·191	·199	·208	·219	·237	·266	·311	·374	·463
64	·174	·180	·186	·193	·202	·213	·230	·258	·302	·364	·454

TABLE B

This section of Table B is applicable only to the case of Officers who will be aged 55 next birthday, when they complete their period of contribution.

The Yearly Pension, payable by Monthly Instalments, which a YEARLY CONTRIBUTION of 1, payable also by Monthly Instalments, will secure. The Yearly Contribution is to cease on the termination of 35 years from the date of the Officer’s first Contribution.

Age of husband next birthday	AGE OF WIFE NEXT BIRTHDAY
	15	20	25	30	35	40	45	50	55	60	65
20	8·30	8·60	8·98	9·47	10·11	10·90	11·92	13·40	15·21	17·75	21·40
21	7·98	8·27	8·64	9·13	9·72	10·50	11·52	12·89	14·65	17·07	20·53
22	7·67	7·95	8·30	8·77	9·34	10·10	11·06	12·41	14·11	16·41	19·71
23	7·37	7·63	7·97	8·42	8·98	9·71	10·62	11·92	13·53	15·77	18·88
24	7·07	7·33	7·63	8·07	8·59	9·30	10·18	11·42	12·97	15·09	18·04
25	6·77	7·00	7·31	7·72	8·22	8·89	9·74	10·94	12·43	14·46	17·21
26	6·49	6·70	7·00	7·38	7·88	8·50	9·32	10·47	11·90	13·84	16·41
27	6·20	6·40	6·69	7·05	7·52	8·10	8·89	10·00	11·38	13·21	15·61
28	5·92	6·10	6·38	6·72	7·17	7·72	8·48	9·54	10·87	12·60	14·87
29	5·64	5·80	6·07	6·40	6·83	7·36	8·07	9·09	10·39	12·00	14·15
30	5·36	5·54	5·78	6·09	6·49	7·00	7·69	8·66	9·88	11·42	13·46
31	5·10	5·26	5·49	5·78	6·16	6·64	7·30	8·22	9·40	10·85	12·76
32	4·84	5·00	5·22	5·48	5·84	6·31	6·92	7·80	8·93	10·31	12·08
33	4·60	4·74	4·94	5·19	5·52	5·97	6·55	7·39	8·46	9·77	11·43
34	4·36	4·48	4·68	4·92	5·23	5·66	6·20	7·00	8·02	9·25	10·81
35	4·12	4·24	4·42	4·65	4·94	5·34	5·85	6·60	7·57	8·74	10·21
36	3·90	4·00	4·18	4·39	4·66	5·05	5·53	6·24	7·14	8·26	9·66
37	3·66	3·77	3·94	4·14	4·39	4·75	5·20	5·87	6·72	7·77	9·11
38	3·46	3·55	3·70	3·88	4·13	4·46	4·88	5·51	6·31	7·29	8·57
39	3·24	3·33	3·46	3·64	3·87	4·18	4·57	5·16	5·91	6·84	8·04
40	3·04	3·11	3·24	3·40	3·61	3·89	4·26	4·81	5·51	6·39	7·53
41	2·84	2·90	3·02	3·16	3·36	3·62	3·95	4·47	5·13	5·96	7·03
42	2·63	2·69	2·80	2·93	3·11	3·35	3·66	4·15	4·75	5·53	6·54
43	2·44	2·49	2·58	2·71	2·87	3·09	3·37	3·81	4·38	5·11	6·06
44	2·24	2·29	2·37	2·48	2·63	2·83	3·08	3·49	4·02	4·70	5·57
45	2·04	2·08	2·16	2·26	2·39	2·57	2·80	3·16	3·65	4·27	5·07
46	1·84	1·88	1·94	2·03	2·15	2·31	2·52	2·84	3·28	3·83	4·56
47	1·64	1·68	1·74	1·82	1·92	2·06	2·25	2·54	2·92	3·41	4·07
48	1·44	1·48	1·53	1·59	1·68	1·81	1·98	2·23	2·56	2·99	3·58
49	1·25	1·28	1·32	1·38	1·45	1·56	1·70	1·92	2·21	2·57	3·10
50	1·05	1·08	1·11	1·16	1·22	1·31	1·43	1·61	1·86	2·16	2·61
51	·85	·87	·90	·94	·99	1·06	1·16	1·30	1·50	1·74	2·11
52	·65	·67	·69	·71	·75	·80	·88	·98	1·14	1·32	1·61
53	·44	·45	·46	·48	·51	·54	·59	·66	·77	·89	1·09
54	·22	·23	·24	·25	·26	·28	·30	·34	·39	·46	·56

TABLE B

This section of Table B is applicable only to the case of Officers who will be aged 56 next birthday, when they complete their period of contribution.

The Yearly Pension, payable by Monthly Instalments, which a YEARLY CONTRIBUTION of 1, payable also by Monthly Instalments, will secure. The Yearly Contribution is to cease on the termination of 35 years from the date of the Officer’s first Contribution.

Age of husband next birthday	AGE OF WIFE NEXT BIRTHDAY
	15	20	25	30	35	40	45	50	55	60	65
21	8·02	8·31	8·68	9·17	9·77	10·55	11·54	12·95	14·72	17·15	20·62
22	7·71	7·98	8·34	8·81	9·39	10·15	11·11	12·46	14·17	16·49	19·80
23	7·40	7·66	8·00	8·46	9·01	9·75	10·66	11·96	13·58	15·82	18·95
24	7·10	7·35	7·68	8·12	8·64	9·35	10·24	11·48	13·04	15·18	18·14
25	6·81	7·04	7·35	7·76	8·27	8·94	9·80	11·00	12·50	14·54	17·31
26	6·52	6·74	7·04	7·43	7·92	8·54	9·37	10·53	11·97	13·92	16·50
27	6·24	6·44	6·73	7·09	7·57	8·16	8·95	10·07	11·46	13·30	15·71
28	5·96	6·15	6·43	6·78	7·23	7·79	8·54	9·62	10·95	12·70	14·99
29	5·69	5·87	6·13	6·46	6·89	7·43	8·14	9·18	10·46	12·11	14·28
30	5·41	5·59	5·83	6·14	6·55	7·07	7·76	8·74	9·97	11·52	13·58
31	5·15	5·32	5·55	5·84	6·22	6·71	7·37	8·30	9·49	10·96	12·89
32	4·89	5·05	5·27	5·54	5·90	6·37	7·00	7·88	9·02	10·41	12·20
33	4·65	4·79	5·00	5·26	5·59	6·05	6·64	7·48	8·57	9·89	11·57
34	4·42	4·55	4·75	4·98	5·30	5·74	6·28	7·09	8·13	9·38	10·96
35	4·19	4·31	4·49	4·72	5·02	5·43	5·95	6·71	7·69	8·88	10·38
36	3·96	4·07	4·25	4·46	4·74	5·13	5·62	6·34	7·26	8·39	9·82
37	3·74	3·84	4·01	4·21	4·47	4·84	5·30	5·98	6·84	7·91	9·28
38	3·53	3·62	3·77	3·97	4·21	4·56	4·98	5·63	6·44	7·45	8·75
39	3·32	3·41	3·55	3·73	3·96	4·28	4·68	5·28	6·05	7·00	8·24
40	3·12	3·20	3·33	3·50	3·71	4·00	4·38	4·94	5·66	6·57	7·73
41	2·92	2·99	3·11	3·26	3·46	3·73	4·08	4·60	5·29	6·14	7·25
42	2·72	2·79	2·90	3·04	3·22	3·47	3·78	4·28	4·92	5·72	6·77
43	2·54	2·59	2·69	2·82	2·99	3·21	3·50	3·96	4·56	5·32	6·30
44	2·34	2·39	2·48	2·60	2·75	2·96	3·23	3·64	4·20	4·91	5·82
45	2·14	2·19	2·27	2·38	2·52	2·70	2·95	3·33	3·84	4·49	5·34
46	1·95	2·00	2·07	2·16	2·28	2·45	2·68	3·03	3·49	4·08	4·86
47	1·76	1·80	1·87	1·95	2·06	2·21	2·42	2·73	3·14	3·67	4·38
48	1·58	1·62	1·67	1·75	1·84	1·98	2·16	2·44	2·80	3·27	3·92
49	1·39	1·42	1·47	1·54	1·62	1·74	1·90	2·14	2·46	2·86	3·45
50	1·20	1·23	1·27	1·33	1·40	1·50	1·64	1·84	2·12	2·47	2·98
51	1·01	1·04	1·07	1·12	1·18	1·26	1·37	1·54	1·78	2·07	2·51
52	·82	·84	·87	·90	·95	1·02	1·11	1·25	1·44	1·68	2·04
53	·63	·64	·66	·69	·72	·77	·84	·95	1·09	1·27	1·55
54	·43	·44	·45	·47	·49	·52	·57	·64	·74	·87	1·06
55	·21	·22	·23	·24	·25	·27	·29	·33	·38	·44	·54

TABLE B

This section of Table B is applicable only to the case of Officers who will be aged 57 next birthday, when they complete their period of contribution.

The Yearly Pension, payable by Monthly Instalments, which a YEARLY CONTRIBUTION of 1, payable also by Monthly Instalments, will secure. The Yearly Contribution is to cease on the termination of 35 years from the date of the Officer’s first Contribution.

Age of husband next birthday	AGE OF WIFE NEXT BIRTHDAY
	15	20	25	30	35	40	45	50	55	60	65
22	7·74	8·01	8·37	8·84	9·42	10·19	11·15	12·51	14·22	16·55	19·87
23	7·43	7·70	8·04	8·49	9·05	9·78	10·71	12·02	13·65	15·90	19·04
24	7·13	7·38	7·70	8·14	8·67	9·38	10·28	11·53	13·09	15·23	18·21
25	6·84	7·07	7·39	7·80	8·31	8·98	9·84	11·05	12·56	14·61	17·39
26	6·56	6·77	7·08	7·47	7·97	8·59	9·42	10·59	12·04	13·99	16·59
27	6·28	6·48	6·78	7·14	7·62	8·21	9·01	10·13	11·53	13·38	15·82
28	6·00	6·19	6·47	6·82	7·28	7·84	8·60	9·68	11·03	12·79	15·09
29	5·73	5·90	6·17	6·50	6·93	7·46	8·20	9·24	10·53	12·19	14·37
30	5·46	5·63	5·88	6·19	6·60	7·12	7·82	8·80	10·05	11·61	13·69
31	5·20	5·36	5·60	5·89	6·28	6·77	7·44	8·38	9·58	11·06	13·00
32	4·94	5·10	5·32	5·59	5·96	6·44	7·07	7·96	9·12	10·52	12·33
33	4·70	4·85	5·06	5·32	5·66	6·11	6·71	7·57	8·67	10·00	11·70
34	4·47	4·60	4·80	5·04	5·36	5·80	6·36	7·18	8·22	9·49	11·09
35	4·24	4·36	4·55	4·78	5·08	5·50	6·02	6·80	7·79	9·00	10·51
36	4·02	4·13	4·31	4·53	4·81	5·21	5·70	6·44	7·37	8·52	9·97
37	3·80	3·91	4·07	4·28	4·55	4·92	5·38	6·08	6·96	8·04	9·43
38	3·60	3·69	3·85	4·04	4·30	4·64	5·08	5·74	6·57	7·59	8·92
39	3·39	3·48	3·62	3·81	4·05	4·37	4·78	5·39	6·18	7·15	8·41
40	3·19	3·27	3·40	3·58	3·80	4·09	4·48	5·05	5·80	6·72	7·91
41	3·00	3·07	3·19	3·35	3·56	3·83	4·19	4·72	5·43	6·31	7·45
42	2·81	2·87	2·98	3·13	3·32	3·57	3·90	4·41	5·07	5·90	6·98
43	2·62	2·68	2·78	2·91	3·09	3·32	3·62	4·09	4·72	5·50	6·52
44	2·44	2·49	2·58	2·70	2·86	3·08	3·36	3·79	4·37	5·11	6·06
45	2·25	2·30	2·38	2·49	2·64	2·83	3·09	3·49	4·02	4·71	5·59
46	2·06	2·11	2·18	2·28	2·41	2·59	2·83	3·19	3·68	4·30	5·12
47	1·88	1·92	1·99	2·08	2·19	2·36	2·57	2·90	3·35	3·91	4·66
48	1·70	1·74	1·80	1·88	1·98	2·12	2·32	2·62	3·01	3·52	4·21
49	1·52	1·55	1·61	1·68	1·77	1·90	2·07	2·34	2·69	3·13	3·77
50	1·34	1·37	1·42	1·48	1·56	1·67	1·82	2·05	2·36	2·75	3·32
51	1·16	1·19	1·23	1·28	1·34	1·44	1·57	1·77	2·04	2·37	2·87
52	·98	1·00	1·04	1·08	1·13	1·21	1·32	1·48	1·71	2·00	2·43
53	·79	·81	·84	·87	·92	·98	1·07	1·21	1·38	1·62	1·97
54	·61	·62	·64	·67	·70	·75	·81	·92	1·05	1·24	1·51
55	·41	·42	·44	·45	·47	·51	·55	·62	·71	·84	1·02
56	·21	·22	·22	·23	·24	·26	·28	·32	·36	·43	·52

TABLE B

This section of Table B is applicable only to the case of Officers who will be aged 58 next birthday, when they complete their period of contribution.

The Yearly Pension, payable by Monthly Instalments, which a YEARLY CONTRIBUTION of 1, payable also by Monthly Instalments, will secure. The Yearly Contribution is to cease on the termination of 35 years from the date of the Officer’s first Contribution.

Age of husband next birthday	AGE OF WIFE NEXT BIRTHDAY
	15	20	25	30	35	40	45	50	55	60	65
23	7·46	7·72	8·07	8·52	9·08	9·83	10·75	12·06	13·70	15·96	19·11
24	7·16	7·41	7·74	8·18	8·71	9·42	10·32	11·58	13·15	15·30	18·29
25	6·87	7·10	7·42	7·84	8·35	9·02	9·89	11·10	12·62	14·68	17·47
26	6·59	6·81	7·11	7·50	8·01	8·63	9·47	10·64	12·10	14·06	16·67
27	6·31	6·51	6·81	7·18	7·66	8·25	9·06	10·18	11·59	13·45	15·90
28	6·04	6·23	6·51	6·86	7·32	7·88	8·65	9·74	11·09	12·86	15·17
29	5·76	5·94	6·21	6·54	6·98	7·53	8·26	9·30	10·60	12·28	14·47
30	5·49	5·67	5·92	6·23	6·65	7·17	7·87	8·86	10·12	11·69	13·78
31	5·24	5·41	5·64	5·94	6·33	6·83	7·50	8·45	9·66	11·15	13·11
32	4·99	5·15	5·37	5·64	6·02	6·50	7·13	8·04	9·20	10·62	12·44
33	4·75	4·89	5·11	5·36	5·71	6·17	6·77	7·64	8·75	10·09	11·81
34	4·51	4·65	4·85	5·09	5·42	5·86	6·42	7·25	8·30	9·58	11·20
35	4·29	4·41	4·60	4·84	5·14	5·56	6·09	6·88	7·88	9·10	10·63
36	4·07	4·19	4·37	4·59	4·88	5·28	5·78	6·52	7·46	8·63	10·10
37	3·86	3·97	4·14	4·35	4·62	5·00	5·47	6·17	7·06	8·17	9·57
38	3·65	3·75	3·92	4·11	4·36	4·72	5·16	5·83	6·67	7·71	9·06
39	3·46	3·54	3·69	3·88	4·12	4·45	4·87	5·49	6·29	7·28	8·57
40	3·26	3·34	3·47	3·65	3·88	4·18	4·57	5·16	5·92	6·86	8·08
41	3·06	3·14	3·27	3·48	3·64	3·92	4·28	4·84	5·56	6·46	7·62
42	2·88	2·95	3·06	3·21	3·41	3·67	4·00	4·52	5·20	6·06	7·16
43	2·70	2·76	2·86	3·00	3·18	3·42	3·73	4·22	4·86	5·67	6·71
44	2·52	2·57	2·67	2·80	2·96	3·18	3·47	3·92	4·52	5·28	6·26
45	2·33	2·38	2·47	2·59	2·74	2·94	3·21	3·62	4·18	4·88	5·81
46	2·15	2·20	2·28	2·38	2·52	2·70	2·96	3·34	3·84	4·49	5·35
47	1·98	2·02	2·10	2·19	2·31	2·48	2·71	3·06	3·53	4·12	4·92
48	1·80	1·84	1·91	2·00	2·10	2·26	2·47	2·78	3·20	3·74	4·48
49	1·63	1·67	1·73	1·80	1·90	2·04	2·23	2·51	2·89	3·36	4·05
50	1·46	1·50	1·55	1·61	1·70	1·82	1·99	2·24	2·58	3·00	3·62
51	1·29	1·32	1·37	1·42	1·50	1·60	1·75	1·97	2·27	2·64	3·20
52	1·12	1·15	1·18	1·23	1·30	1·39	1·51	1·70	1·96	2·28	2·78
53	·94	·97	1·00	1·04	1·10	1·17	1·27	1·43	1·65	1·92	2·34
54	·77	·79	·81	·84	·89	·95	1·03	1·16	1·33	1·57	1·90
55	·58	·60	·62	·64	·68	·72	·78	·88	1·02	1·20	1·46
56	·40	·41	·42	·44	·46	·49	·53	·60	·69	·82	·99
57	·20	·21	·22	·23	·24	·25	·27	·30	·35	·42	·51

TABLE B

This section of Table B is applicable only to the case of Officers who will be aged 59 next birthday, when they complete their period of contribution.

The Yearly Pension, payable by Monthly Instalments, which a YEARLY CONTRIBUTION of 1, payable also by Monthly Instalments, will secure. The Yearly Contribution is to cease on the termination of 35 years from the date of the Officer’s first Contribution.

Age of husband next birthday	AGE OF WIFE NEXT BIRTHDAY
	15	20	25	30	35	40	45	50	55	60	65
24	7·19	7·44	7·77	8·21	8·75	9·46	10·36	11·62	13·20	15·36	18·36
25	6·90	7·13	7·45	7·86	8·38	9·05	9·93	11·15	12·66	14·73	17·53
26	6·62	6·84	7·15	7·54	8·04	8·67	9·51	10·69	12·15	14·13	16·75
27	6·34	6·54	6·84	7·21	7·70	8·29	9·10	10·23	11·64	13·51	15·97
28	6·07	6·26	6·54	6·89	7·35	7·92	8·69	9·79	11·14	12·92	15·21
29	5·80	5·98	6·25	6·58	7·02	7·57	8·30	9·35	10·67	12·35	14·55
30	5·53	5·71	5·96	6·28	6·70	7·22	7·92	8·93	10·19	11·77	13·88
31	5·28	5·45	5·68	5·98	6·37	6·87	7·55	8·51	9·72	11·22	13·20
32	5·02	5·19	5·41	5·68	6·06	6·54	7·18	8·09	9·26	10·69	12·53
33	4·79	4·93	5·15	5·41	5·76	6·22	6·83	7·70	8·82	10·17	11·90
34	4·56	4·70	4·90	5·15	5·47	5·92	6·49	7·32	8·39	9·68	11·32
35	4·34	4·46	4·65	4·89	5·19	5·62	6·16	6·95	7·96	9·20	10·74
36	4·12	4·24	4·42	4·64	4·93	5·34	5·84	6·60	7·55	8·73	10·21
37	3·91	4·02	4·19	4·40	4·68	5·06	5·54	6·26	7·16	8·27	9·70
38	3·71	3·80	3·96	4·16	4·43	4·79	5·24	5·91	6·77	7·82	9·19
39	3·51	3·60	3·75	3·94	4·19	4·52	4·94	5·58	6·39	7·40	8·70
40	3·32	3·40	3·54	3·72	3·95	4·26	4·66	5·25	6·03	6·99	8·23
41	3·13	3·21	3·33	3·50	3·71	4·00	4·37	4·94	5·67	6·59	7·77
42	2·95	3·02	3·14	3·29	3·49	3·75	4·10	4·63	5·32	6·20	7·33
43	2·77	2·83	2·94	3·08	3·26	3·51	3·83	4·33	4·98	5·82	6·89
44	2·59	2·65	2·75	2·88	3·04	3·27	3·57	4·04	4·65	5·44	6·45
45	2·41	2·47	2·56	2·68	2·83	3·04	3·32	3·75	4·32	5·05	6·01
46	2·24	2·29	2·37	2·48	2·62	2·81	3·07	3·47	4·00	4·67	5·56
47	2·07	2·11	2·19	2·29	2·42	2·59	2·83	3·20	3·68	4·30	5·14
48	1·90	1·94	2·01	2·10	2·22	2·38	2·60	2·93	3·38	3·94	4·72
49	1·74	1·78	1·84	1·92	2·02	2·17	2·37	2·67	3·07	3·57	4·30
50	1·57	1·61	1·66	1·73	1·82	1·96	2·14	2·41	2·77	3·22	3·90
51	1·41	1·44	1·49	1·55	1·63	1·75	1·90	2·14	2·47	2·87	3·49
52	1·24	1·27	1·31	1·37	1·44	1·54	1·68	1·89	2·18	2·53	3·08
53	1·07	1·10	1·14	1·18	1·24	1·33	1·45	1·63	1·87	2·19	2·66
54	·91	·93	·96	1·00	1·05	1·12	1·22	1·38	1·58	1·86	2·26
55	·74	·76	·79	·81	·86	·91	·99	1·12	1·29	1·52	1·85
56	·56	·58	·60	·62	·65	·69	·75	·85	·98	1·16	1·41
57	·38	·39	·41	·42	·44	·47	·51	·58	·67	·79	·96
58	·20	·20	·21	·22	·23	·24	·26	·30	·34	·41	·50

TABLE B

This section of Table B is applicable only to the case of Officers who will be aged 60 next birthday, when they complete their period of contribution.

The Yearly Pension, payable by Monthly Instalments, which a YEARLY CONTRIBUTION of 1, payable also by Monthly Instalments, will secure. The Yearly Contribution is to cease on the termination of 35 years from the date of the Officer’s first Contribution.

Age of husband next birthday	AGE OF WIFE NEXT BIRTHDAY
	15	20	25	30	35	40	45	50	55	60	65
25	6·92	7·16	7·48	7·89	8·41	9·09	9·96	11·19	12·71	14·79	17·60
26	6·64	6·86	7·17	7·57	8·07	8·71	9·55	10·73	12·20	14·18	16·81
27	6·37	6·58	6·88	7·25	7·73	8·33	9·14	10·28	11·70	13·58	16·05
28	6·10	6·29	6·58	6·93	7·39	7·96	8·74	9·83	11·20	12·99	15·32
29	5·83	6·00	6·28	6·61	7·06	7·61	8·34	9·40	10·72	12·41	14·62
30	5·56	5·73	5·99	6·31	6·73	7·26	7·96	8·97	10·24	11·83	13·94
31	5·31	5·48	5·72	6·02	6·41	6·91	7·59	8·56	9·78	11·29	13·28
32	5·06	5·22	5·45	5·72	6·10	6·59	7·23	8·15	9·33	10·76	12·62
33	4·83	4·97	5·19	5·45	5·80	6·27	6·88	7·76	8·89	10·26	12·00
34	4·60	4·74	4·94	5·19	5·52	5·97	6·54	7·38	8·46	9·76	11·41
35	4·38	4·50	4·70	4·94	5·24	5·68	6·22	7·04	8·04	9·28	10·85
36	4·16	4·28	4·47	4·69	4·98	5·40	5·91	6·67	7·63	8·82	10·32
37	3·96	4·06	4·24	4·45	4·73	5·12	5·60	6·32	7·23	8·36	9·80
38	3·76	3·85	4·02	4·22	4·48	4·85	5·30	5·99	6·85	7·92	9·31
39	3·56	3·65	3·80	4·00	4·25	4·58	5·01	5·66	6·48	7·50	8·83
40	3·37	3·46	3·60	3·78	4·01	4·32	4·73	5·34	6·12	7·10	8·36
41	3·19	3·26	3·39	3·56	3·78	4·07	4·45	5·02	5·77	6·70	7·91
42	3·01	3·08	3·20	3·36	3·56	3·83	4·18	4·72	5·43	6·32	7·48
43	2·84	2·90	3·01	3·15	3·34	3·59	3·92	4·43	5·10	5·95	7·05
44	2·66	2·72	2·82	2·95	3·12	3·36	3·67	4·14	4·77	5·58	6·62
45	2·49	2·54	2·64	2·76	2·92	3·13	3·42	3·86	4·45	5·21	6·19
46	2·31	2·36	2·45	2·56	2·70	2·90	3·17	3·58	4·13	4·83	5·75
47	2·15	2·20	2·27	2·38	2·51	2·69	2·94	3·32	3·83	4·47	5·34
48	1·98	2·03	2·10	2·20	2·31	2·48	2·71	3·06	3·52	4·11	4·92
49	1·82	1·87	1·93	2·02	2·12	2·28	2·49	2·80	3·23	3·76	4·52
50	1·67	1·71	1·76	1·84	1·94	2·08	2·28	2·55	2·94	3·42	4·13
51	1·51	1·55	1·60	1·66	1·75	1·88	2·06	2·30	2·65	3·08	3·74
52	1·35	1·39	1·43	1·49	1·57	1·68	1·83	2·05	2·37	2·76	3·36
53	1·20	1·23	1·27	1·32	1·38	1·48	1·61	1·81	2·09	2·44	2·97
54	1·04	1·07	1·10	1·14	1·20	1·28	1·40	1·57	1·81	2·13	2·58
55	·88	·90	·93	·97	1·02	1·08	1·18	1·33	1·53	1·80	2·19
56	·72	·73	·75	·78	·83	·88	·96	1·08	1·24	1·46	1·78
57	·55	·56	·58	·60	·63	·67	·73	·82	·95	1·12	1·37
58	·37	·38	·39	·41	·43	·46	·50	·56	·65	·76	·93
59	·19	·20	·20	·21	·22	·23	·25	·29	·33	·39	·48

TABLE B

This section of Table B is applicable only to the case of Officers who will be aged 61 next birthday, when they complete their period of contribution.

The Yearly Pension, payable by Monthly Instalments, which a YEARLY CONTRIBUTION of 1, payable also by Monthly Instalments, will secure. The Yearly Contribution is to cease on the termination of 35 years from the date of the Officer’s first Contribution.

Age of husband next birthday	AGE OF WIFE NEXT BIRTHDAY
	15	20	25	30	35	40	45	50	55	60	65
26	6·67	6·88	7·19	7·59	8·08	8·73	9·57	10·76	12·23	14·22	16·86
27	6·39	6·60	6·90	7·27	7·75	8·36	9·18	10·32	11·74	13·63	16·11
28	6·12	6·31	6·60	6·95	7·42	7·99	8·77	9·87	11·24	13·03	15·38
29	5·86	6·04	6·31	6·64	7·09	7·64	8·38	9·44	10·77	12·47	14·69
30	5·59	5·77	6·02	6·34	6·76	7·29	8·00	9·01	10·29	11·89	14·01
31	5·34	5·51	5·75	6·05	6·45	6·95	7·64	8·61	9·84	11·36	13·36
32	5·10	5·25	5·48	5·76	6·14	6·62	7·27	8·20	9·38	10·83	12·69
33	4·86	5·01	5·23	5·49	5·85	6·32	6·93	7·82	8·95	10·33	12·09
34	4·63	4·77	4·98	5·22	5·56	6·01	6·59	7·44	8·52	9·83	11·49
35	4·41	4·54	4·74	4·98	5·29	5·72	6·27	7·07	8·10	9·36	10·93
36	4·20	4·32	4·50	4·73	5·03	5·44	5·96	6·73	7·70	8·90	10·41
37	4·00	4·10	4·28	4·50	4·78	5·17	5·66	6·39	7·31	8·45	9·91
38	3·80	3·90	4·06	4·27	4·53	4·90	5·36	6·05	6·93	8·01	9·41
39	3·60	3·69	3·85	4·05	4·30	4·64	5·08	5·73	6·56	7·60	8·93
40	3·42	3·50	3·64	3·83	4·06	4·38	4·80	5·41	6·21	7·19	8·47
41	3·24	3·32	3·45	3·62	3·84	4·14	4·52	5·10	5·86	6·81	8·03
42	3·06	3·13	3·26	3·41	3·62	3·90	4·25	4·81	5·53	6·43	7·61
43	2·89	2·95	3·06	3·21	3·40	3·66	4·00	4·52	5·20	6·07	7·18
44	2·72	2·78	2·88	3·02	3·20	3·44	3·75	4·24	4·88	5·71	6·77
45	2·55	2·60	2·70	2·82	2·99	3·21	3·50	3·96	4·56	5·33	6·34
46	2·38	2·43	2·52	2·64	2·78	2·99	3·27	3·69	4·25	4·97	5·92
47	2·22	2·27	2·35	2·46	2·59	2·78	3·04	3·43	3·96	4·62	5·51
48	2·06	2·11	2·18	2·28	2·40	2·58	2·82	3·18	3·66	4·27	5·12
49	1·90	1·95	2·02	2·11	2·22	2·38	2·60	2·93	3·38	3·93	4·73
50	1·75	1·80	1·86	1·94	2·04	2·18	2·38	2·69	3·09	3·60	4·35
51	1·60	1·64	1·70	1·77	1·86	1·99	2·17	2·44	2·82	3·28	3·98
52	1·45	1·49	1·54	1·60	1·68	1·80	1·96	2·21	2·54	2·96	3·61
53	1·30	1·34	1·38	1·43	1·51	1·61	1·76	1·97	2·27	2·65	3·23
54	1·15	1·18	1·22	1·27	1·33	1·42	1·55	1·74	2·01	2·36	2·86
55	1·00	1·03	1·06	1·10	1·16	1·23	1·34	1·51	1·74	2·05	2·49
56	·85	·87	·90	·93	·98	1·04	1·13	1·28	1·47	1·74	2·11
57	·71	·72	·73	·76	·80	·85	·92	1·04	1·20	1·42	1·73
58	·53	·54	·55	·58	·61	·65	·70	·79	·92	1·08	1·33
59	·36	·37	·38	·40	·42	·44	·48	·54	·62	·74	·91
60	·18	·19	·20	·20	·21	·22	·24	·28	·32	·38	·46

TABLE B

This section of Table B is applicable only to the case of Officers who will be aged 62 next birthday, when they complete their period of contribution.

The Yearly Pension, payable by Monthly Instalments, which a YEARLY CONTRIBUTION of 1, payable also by Monthly Instalments, will secure. The Yearly Contribution is to cease on the termination of 35 years from the date of the Officer’s first Contribution.

Age of husband next birthday	AGE OF WIFE NEXT BIRTHDAY
	15	20	25	30	35	40	45	50	55	60	65
27	6·41	6·62	6·92	7·29	7·78	8·38	9·20	10·35	11·78	13·66	16·15
28	6·14	6·33	6·62	6·98	7·44	8·02	8·80	9·91	11·28	13·08	15·43
29	5·88	6·06	6·33	6·67	7·12	7·68	8·42	9·48	10·81	12·51	14·75
30	5·61	5·79	6·05	6·37	6·79	7·32	8·04	9·06	10·33	11·94	14·11
31	5·36	5·54	5·78	6·08	6·48	6·99	7·68	8·65	9·89	11·41	13·42
32	5·12	5·28	5·51	5·79	6·17	6·66	7·32	8·24	9·44	10·89	12·76
33	4·89	5·04	5·26	5·52	5·88	6·35	6·97	7·86	9·00	10·39	12·16
34	4·66	4·80	5·01	5·26	5·60	6·06	6·64	7·49	8·58	9·90	11·57
35	4·44	4·57	4·77	5·01	5·32	5·76	6·31	7·12	8·16	9·43	11·01
36	4·23	4·35	4·54	4·77	5·07	5·48	6·00	6·78	7·76	8·97	10·49
37	4·03	4·14	4·32	4·54	4·82	5·21	5·71	6·44	7·37	8·52	9·99
38	3·84	3·94	4·10	4·31	4·58	4·95	5·42	6·12	7·00	8·10	9·51
39	3·64	3·73	3·89	4·09	4·34	4·69	5·13	5·79	6·63	7·68	9·03
40	3·46	3·54	3·69	3·88	4·12	4·44	4·85	5·48	6·28	7·28	8·58
41	3·28	3·36	3·49	3·67	3·89	4·19	4·58	5·17	5·94	6·90	8·14
42	3·11	3·18	3·30	3·47	3·68	3·96	4·32	4·88	5·61	6·53	7·72
43	2·94	3·00	3·12	3·27	3·46	3·72	4·06	4·59	5·29	6·17	7·30
44	2·77	2·83	2·94	3·08	3·26	3·50	3·82	4·32	4·97	5·82	6·90
45	2·60	2·66	2·76	2·89	3·05	3·28	3·58	4·04	4·66	5·45	6·48
46	2·44	2·49	2·58	2·70	2·85	3·06	3·35	3·78	4·36	5·09	6·06
47	2·28	2·33	2·42	2·53	2·66	2·86	3·13	3·53	4·07	4·75	5·67
48	2·13	2·18	2·26	2·36	2·49	2·67	2·92	3·29	3·79	4·42	5·30
49	1·98	2·03	2·10	2·19	2·31	2·48	2·70	3·05	3·51	4·08	4·92
50	1·83	1·88	1·94	2·02	2·12	2·28	2·49	2·80	3·23	3·76	4·54
51	1·68	1·72	1·78	1·86	1·95	2·09	2·28	2·57	2·96	3·44	4·18
52	1·54	1·58	1·63	1·70	1·79	1·91	2·08	2·34	2·70	3·14	3·82
53	1·40	1·43	1·48	1·54	1·62	1·73	1·88	2·12	2·44	2·85	3·47
54	1·26	1·29	1·33	1·38	1·45	1·55	1·68	1·90	2·18	2·56	3·12
55	1·11	1·14	1·18	1·22	1·28	1·37	1·49	1·67	1·93	2·27	2·76
56	·97	·99	1·02	1·06	1·11	1·19	1·29	1·45	1·67	1·98	2·41
57	·82	·84	·87	·90	·94	1·00	1·09	1·23	1·42	1·68	2·04
58	·67	·69	·71	·73	·77	·82	·89	1·00	1·16	1·37	1·68
59	·51	·52	·54	·56	·59	·63	·68	·76	·88	1·05	1·29
60	·35	·36	·37	·38	·40	·43	·46	·52	·60	·72	·88
61	·18	·18	·19	·20	·21	·22	·24	·27	·31	·37	·45

TABLE B

This section of Table B is applicable only to the case of Officers who will be aged 63 next birthday, when they complete their period of contribution.

The Yearly Pension, payable by Monthly Instalments, which a YEARLY CONTRIBUTION of 1, payable also by Monthly Instalments, will secure. The Yearly Contribution is to cease on the termination of 35 years from the date of the Officer’s first Contribution.

Age of husband next birthday	AGE OF WIFE NEXT BIRTHDAY
	15	20	25	30	35	40	45	50	55	60	65
28	6·17	6·36	6·65	7·00	7·47	8·05	8·84	9·94	11·32	13·13	15·50
29	5·90	6·09	6·36	6·70	7·14	7·70	8·45	9·52	10·85	12·56	14·80
30	5·63	5·81	6·07	6·39	6·82	7·35	8·07	9·09	10·38	11·99	14·13
31	5·38	5·56	5·80	6·10	6·50	7·01	7·70	8·68	9·92	11·45	13·47
32	5·14	5·31	5·54	5·82	6·20	6·70	7·35	8·28	9·48	10·94	12·83
33	4·91	5·06	5·29	5·55	5·91	6·39	7·01	7·90	9·05	10·44	12·22
34	4·69	4·83	5·04	5·29	5·62	6·08	6·67	7·52	8·62	9·95	11·63
35	4·47	4·60	4·80	5·04	5·36	5·80	6·35	7·16	8·21	9·48	11·08
36	4·26	4·38	4·57	4·80	5·10	5·53	6·05	6·83	7·81	9·04	10·57
37	4·06	4·17	4·35	4·57	4·86	5·26	5·75	6·50	7·43	8·59	10·07
38	3·87	3·97	4·14	4·35	4·62	5·00	5·47	6·17	7·06	8·16	9·59
39	3·68	3·77	3·93	4·13	4·39	4·74	5·18	5·84	6·70	7·75	9·12
40	3·50	3·58	3·73	3·92	4·16	4·48	4·91	5·54	6·35	7·36	8·67
41	3·32	3·40	3·54	3·71	3·94	4·24	4·64	5·24	6·02	6·98	8·24
42	3·15	3·22	3·35	3·51	3·72	4·01	4·38	4·94	5·69	6·62	7·83
43	2·98	3·05	3·17	3·32	3·52	3·78	4·13	4·66	5·37	6·27	7·42
44	2·82	2·88	2·99	3·13	3·31	3·56	3·88	4·39	5·06	5·91	7·02
45	2·65	2·71	2·81	2·94	3·11	3·34	3·65	4·12	4·75	5·55	6·60
46	2·49	2·55	2·64	2·76	2·91	3·13	3·42	3·86	4·45	5·20	6·19
47	2·34	2·39	2·48	2·59	2·73	2·93	3·20	3·62	4·17	4·87	5·81
48	2·19	2·24	2·32	2·42	2·55	2·74	2·99	3·38	3·89	4·54	5·43
49	2·04	2·09	2·16	2·26	2·37	2·55	2·78	3·14	3·61	4·20	5·06
50	1·90	1·94	2·01	2·10	2·20	2·36	2·58	2·91	3·35	3·90	4·71
51	1·76	1·80	1·86	1·94	2·04	2·18	2·38	2·68	3·09	3·59	4·36
52	1·62	1·66	1·71	1·78	1·87	2·00	2·18	2·46	2·83	3·30	4·01
53	1·48	1·52	1·57	1·63	1·71	1·83	1·99	2·24	2·58	3·01	3·67
54	1·34	1·38	1·42	1·48	1·55	1·66	1·80	2·03	2·34	2·75	3·34
55	1·21	1·24	1·28	1·33	1·40	1·49	1·62	1·83	2·10	2·47	3·01
56	1·07	1·10	1·13	1·17	1·23	1·32	1·43	1·61	1·85	2·19	2·66
57	·93	·96	·99	1·02	1·08	1·14	1·24	1·40	1·61	1·91	2·33
58	·79	·81	·84	·87	·91	·97	1·05	1·18	1·37	1·62	1·98
59	·64	·66	·68	·71	·74	·79	·86	·96	1·12	1·32	1·62
60	·49	·50	·52	·54	·57	·60	·65	·74	·86	1·02	1·24
61	·34	·35	·36	·37	·39	·41	·45	·51	·59	·70	·86
62	·17	·18	·18	·19	·20	·21	·23	·26	·30	·36	·44

TABLE B

This section of Table B is applicable only to the case of Officers who will be aged 64 next birthday, when they complete their period of contribution.

The Yearly Pension, payable by Monthly Instalments, which a YEARLY CONTRIBUTION of 1, payable also by Monthly Instalments, will secure. The Yearly Contribution is to cease on the termination of 35 years from the date of the Officer’s first Contribution.

Age of husband next birthday	AGE OF WIFE NEXT BIRTHDAY
	15	20	25	30	35	40	45	50	55	60	65
29	5·92	6·10	6·37	6·71	7·16	7·72	8·47	9·54	10·88	12·60	14·85
30	5·66	5·84	6·09	6·41	6·84	7·38	8·10	9·12	10·41	12·03	14·18
31	5·40	5·58	5·82	6·13	6·53	7·04	7·73	8·71	9·96	11·50	13·52
32	5·16	5·33	5·56	5·84	6·22	6·72	7·38	8·32	9·52	10·99	12·88
33	4·93	5·08	5·31	5·57	5·93	6·41	7·04	7·94	9·09	10·48	12·27
34	4·71	4·85	5·06	5·32	5·65	6·12	6·70	7·56	8·67	10·00	11·69
35	4·50	4·63	4·82	5·07	5·39	5·83	6·39	7·21	8·26	9·54	11·15
36	4·29	4·41	4·60	4·83	5·14	5·56	6·09	6·87	7·86	9·09	10·63
37	4·09	4·20	4·38	4·60	4·89	5·29	5·79	6·54	7·48	8·65	10·13
38	3·90	4·00	4·17	4·38	4·65	5·03	5·51	6·21	7·11	8·22	9·66
39	3·71	3·80	3·96	4·16	4·42	4·78	5·23	5·90	6·76	7·82	9·20
40	3·53	3·61	3·76	3·95	4·20	4·52	4·95	5·58	6·40	7·42	8·74
41	3·36	3·44	3·57	3·75	3·98	4·28	4·68	5·29	6·07	7·05	8·32
42	3·18	3·26	3·39	3·55	3·77	4·05	4·42	5·00	5·75	6·69	7·91
43	3·02	3·09	3·21	3·36	3·56	3·83	4·18	4·72	5·44	6·35	7·51
44	2·86	2·92	3·03	3·17	3·36	3·61	3·94	4·45	5·13	6·00	7·11
45	2·70	2·76	2·86	2·99	3·16	3·40	3·71	4·19	4·83	5·65	6·71
46	2·53	2·59	2·69	2·81	2·97	3·19	3·48	3·93	4·53	5·30	6·31
47	2·38	2·44	2·53	2·64	2·78	2·99	3·27	3·69	4·25	4·97	5·93
48	2·24	2·29	2·37	2·48	2·61	2·80	3·06	3·46	3·98	4·64	5·56
49	2·10	2·14	2·22	2·32	2·44	2·62	2·86	3·22	3·71	4·31	5·20
50	1·96	2·00	2·07	2·16	2·27	2·44	2·66	3·00	3·45	4·02	4·85
51	1·83	1·87	1·93	2·01	2·11	2·26	2·47	2·78	3·20	3·72	4·52
52	1·69	1·73	1·78	1·86	1·95	2·09	2·28	2·56	2·96	3·44	4·19
53	1·55	1·59	1·64	1·71	1·80	1·92	2·09	2·35	2·71	3·16	3·86
54	1·42	1·46	1·51	1·56	1·64	1·76	1·91	2·15	2·48	2·91	3·54
55	1·29	1·33	1·37	1·42	1·49	1·59	1·73	1·95	2·24	2·64	3·22
56	1·16	1·19	1·23	1·28	1·34	1·43	1·55	1·75	2·01	2·39	2·90
57	1·03	1·06	1·09	1·13	1·19	1·26	1·37	1·55	1·78	2·11	2·57
58	·90	·92	·95	·99	1·04	1·10	1·19	1·35	1·55	1·84	2·25
59	·76	·78	·81	·84	·88	·93	1·01	1·14	1·32	1·56	1·92
60	·62	·64	·66	·69	·72	·76	·83	·93	1·08	1·28	1·57
61	·48	·49	·51	·53	·55	·58	·63	·71	·83	·99	1·22
62	·33	·34	·35	·36	·38	·40	·43	·49	·57	·68	·84
63	·17	·17	·18	·19	·20	·21	·22	·25	·29	·35	·44

TABLE B

This section of Table B is applicable only to the case of Officers who will be aged 65 next birthday, when they complete their period of contribution.

The Yearly Pension, payable by Monthly Instalments, which a YEARLY CONTRIBUTION of 1, payable also by Monthly Instalments, will secure. The Yearly Contribution is to cease on the termination of 35 years from the date of the Officer’s first Contribution or on his attaining the age of 65.

Age of husband next birthday	AGE OF WIFE NEXT BIRTHDAY
	15	20	25	30	35	40	45	50	55	60	65
30	5·67	5·86	6·11	6·43	6·86	7·40	8·12	9·15	10.44	12.07	14.23
31	5·42	5·60	5·84	6·14	6·55	7·06	7·76	8·74	9·99	11.53	13.56
32	5·18	5·35	5·58	5·86	6·25	6·75	7·41	8·35	9·56	11.03	12.93
33	4·95	5·10	5·33	5·59	5·95	6·44	7·06	7·97	9·12	10.52	12.31
34	4·73	4·87	5·08	5·34	5·68	6·14	6·73	7·60	8·71	10.05	11.74
35	4·52	4·65	4·85	5·10	5·42	5·86	6·42	7·24	8·28	9·59	11.20
36	4·31	4·43	4·62	4·86	5·16	5·59	6·12	6·91	7·90	9·14	10.69
37	4·11	4·23	4·41	4·63	4·92	5·32	5·82	6·58	7·52	8·70	10.20
38	3·92	4·02	4·19	4·41	4·68	5·06	5·54	6·25	7·16	8·27	9·72
39	3·74	3·83	3·99	4·19	4·46	4·81	5·26	5·94	6·80	7·88	9·26
40	3·56	3·65	3·79	3·99	4·23	4·56	4·99	5·63	6·46	7·49	8·82
41	3·39	3·47	3·60	3·78	4·01	4·32	4·72	5·34	6·13	7·12	8·40
42	3·22	3·29	3·42	3·59	3·80	4·10	4·47	5·05	5·81	6·76	7·99
43	3·06	3·12	3·24	3·40	3·60	3·87	4·23	4·78	5·50	6·42	7·60
44	2·90	2·96	3·07	3·21	3·40	3·66	3·99	4·51	5·19	6·07	7·20
45	2·74	2·80	2·90	3·03	3·21	3·44	3·76	4·25	4·89	5·73	6·81
46	2·57	2·63	2·73	2·85	3·01	3·24	3·54	3·99	4·60	5·38	6·41
47	2·42	2·48	2·57	2·69	2·84	3·05	3·33	3·76	4·33	5·06	6·04
48	2·28	2·34	2·42	2·53	2·66	2·86	3·12	3·52	4·06	4·74	5·67
49	2·14	2·20	2·27	2·37	2·50	2·68	2·93	3·30	3·80	4·42	5·32
50	2·00	2·06	2·13	2·22	2·33	2·50	2·73	3·08	3·54	4·12	4·98
51	1·88	1·92	1·99	2·07	2·18	2·33	2·54	2·86	3·30	3·84	4·66
52	1·75	1·79	1·85	1·92	2·02	2·17	2·36	2·65	3·06	3·56	4·34
53	1·62	1·66	1·71	1·78	1·87	2·00	2·18	2·45	2·83	3·30	4·02
54	1·49	1·53	1·58	1·64	1·72	1·84	2·00	2·25	2·60	3·05	3·71
55	1·37	1·40	1·45	1·50	1·58	1·68	1·83	2·06	2·37	2·80	3·40
56	1·25	1·28	1·32	1·37	1·44	1·53	1·66	1·87	2·16	2·54	3·10
57	1·12	1·15	1·18	1·23	1·29	1·37	1·49	1·68	1·94	2·29	2·79
58	·99	1·02	1·05	1·09	1·15	1·22	1·32	1·49	1·72	2·04	2·49
59	·86	·89	·92	·95	1·00	1·06	1·15	1·29	1·50	1·78	2·18
60	·74	·76	·78	·81	·85	·90	·97	1·10	1·28	1·51	1·85
61	·60	·62	·64	·66	·69	·73	·80	·90	1·04	1·24	1·53
62	·47	·48	·49	·51	·53	·56	·61	·69	·80	·96	1·18
63	·32	·33	·34	·35	·37	·39	·42	·47	·55	·66	·82
64	·16	·17	·17	·18	·19	·20	·22	·24	·28	·34	·43

TABLE C

The Single Contribution which will secure a YEARLY PENSION of 1, payable by Monthly Instalments.

Age of husband next birthday	AGE OF WIFE NEXT BIRTHDAY
	15	20	25	30	35	40	45	50	55	60	65
15	1·154	1·111	1·064	1·010	·948	·882	·808	·720	·627	·536	·446
16	1·185	1·142	1·092	1·037	·973	·904	·828	·739	·645	·552	·457
17	1·218	1·175	1·123	1·066	1·000	·928	·849	·759	·664	·569	·469
18	1·254	1·209	1·156	1·097	1·029	·955	·873	·780	·683	·586	·482
19	1·291	1·246	1·192	1·132	1·060	·984	·899	·801	·704	·603	·498
20	1·331	1·284	1·229	1·166	1·092	1·013	·926	·824	·726	·622	·516
21	1·373	1·325	1·268	1·201	1·127	1·044	·954	·850	·748	·642	·534
22	1·418	1·369	1·310	1·241	1·164	1·077	·984	·877	·772	·663	·552
23	1·465	1·415	1·355	1·282	1·203	1·112	1·017	·906	·798	·685	·572
24	1·515	1·464	1·402	1·326	1·245	1·151	1·051	·937	·825	·709	·593
25	1·566	1·515	1·450	1·373	1·289	1·193	1·088	·969	·853	·733	·616
26	1·619	1·568	1·500	1·422	1·333	1·236	1·127	1·003	·882	·759	·640
27	1·675	1·623	1·552	1·473	1·380	1·281	1·167	1·038	·912	·786	·665
28	1·734	1·681	1·608	1·526	1·431	1·328	1·210	1·075	·944	·814	·690
29	1·797	1·742	1·668	1·583	1·484	1·376	1·255	1·114	·977	·844	·716
30	1·864	1·805	1·730	1·643	1·540	1·428	1·301	1·155	1·012	·876	·743
31	1·932	1·871	1·793	1·704	1·599	1·483	1·350	1·198	1·048	·908	·772
32	2·002	1·940	1·859	1·770	1·661	1·538	1·401	1·243	1·086	·941	·803
33	2·074	2·013	1·928	1·836	1·725	1·596	1·454	1·289	1·126	·976	·834
34	2·149	2·087	2·000	1·904	1·791	1·655	1·510	1·338	1·168	1·012	·866
35	2·226	2·164	2·074	1·974	1·858	1·716	1·567	1·389	1·212	1·049	·898
36	2·305	2·243	2·150	2·046	1·926	1·779	1·625	1·439	1·258	1·088	·930
37	2·387	2·324	2·229	2·121	1·996	1·845	1·686	1·493	1·305	1·129	·963
38	2·471	2·408	2·311	2·199	2·069	1·914	1·749	1·550	1·354	1·171	·997
39	2·558	2·496	2·396	2·280	2·145	1·987	1·816	1·610	1·405	1·214	1·032
40	2·647	2·584	2·484	2·364	2·226	2·065	1·887	1·673	1·458	1·258	1·068
41	2·738	2·675	2·574	2·452	2·311	2·145	1·963	1·738	1·513	1·303	1·104
42	2·832	2·770	2·667	2·542	2·398	2·227	2·041	1·806	1·570	1·349	1·141
43	2·931	2·868	2·763	2·636	2·488	2·313	2·120	1·876	1·629	1·396	1·179
44	3·033	2·968	2·862	2·733	2·582	2·402	2·201	1·948	1·691	1·446	1·219
45	3·141	3·073	2·964	2·833	2·679	2·494	2·284	2·023	1·755	1·500	1·262
46	3·253	3·182	3·070	2·936	2·780	2·588	2·369	2·099	1·821	1·558	1·308
47	3·367	3·292	3·179	3·041	2·883	2·683	2·456	2·177	1·889	1·617	1·355
48	3·484	3·404	3·290	3·148	2·989	2·782	2·547	2·258	1·961	1·680	1·403
49	3·603	3·520	3·403	3·260	3·097	2·883	2·642	2·342	2·035	1·750	1·452
50	3·724	3·638	3·519	3·375	3·209	2·989	2·739	2·431	2·111	1·815	1·502
51	3·849	3·757	3·638	3·493	3·320	3·098	2·841	2·525	2·190	1·883	1·552
52	3·977	3·878	3·759	3·613	3·435	3·208	2·945	2·619	2·271	1·950	1·603
53	4·107	4·004	3·882	3·735	3·552	3·321	3·049	2·713	2·353	2·017	1·655
54	4·239	4·133	4·008	3·860	3·671	3·437	3·158	2·808	2·437	2·074	1·707
55	4·376	4·265	4·137	3·988	3·792	3·555	3·269	2·905	2·523	2·141	1·759
56	4·516	4·401	4·269	4·115	3·914	3·674	3·382	3·002	2·608	2·208	1·812
57	4·658	4·540	4·402	4·242	4·036	3·796	3·497	3·101	2·691	2·275	1·865
58	4·804	4·680	4·536	4·370	4·160	3·920	3·613	3·203	2·774	2·342	1·917
59	4·954	4·822	4·673	4·500	4·287	4·046	3·731	3·308	2·858	2·409	1·968
60	5·108	4·966	4·812	4·632	4·417	4·174	3·850	3·414	2·942	2·476	2·018
61	5·264	5·112	4·952	4·765	4·548	4·302	3·971	3·522	3·027	2·543	2·067
62	5·422	5·259	5·093	4·898	4·680	4·431	4·095	3·638	3·117	2·610	2·114
63	5·582	5·408	5·235	5·031	4·813	4·560	4·222	3·754	3·213	2·677	2·160
64	5·745	5·558	5·387	5·180	4·947	4·689	4·352	3·873	3·314	2·744	2·204

SECOND SCHEDULE

Section 2

Laws defining “entitled officer”

First column		Second column
Retirement from the Public Service (Compensation) Ordinance 1956 (Ordinance 43 of 1956).		Sections 3 and 5.
The Federation of Malaya Agreement 1948 (F.M.G.N. 6/48).		Tenth Schedule, Part I, paragraphs 3 and 5.

LEGISLATIVE HISTORY

Widows’ and Orphans’ Pension Act 1904

 

This Legislative History is a service provided by the Law Revision Commission on a best-efforts basis. It is not part of the Act.
Pictorial Overview of Predecessor Acts
Legislative History Details
PART 1 THE WIDOWS AND ORPHANS’ PENSION FUND ORDINANCE, 1885 (ORDINANCE I OF 1885)
1.	Ordinance I of 1885—The Widows and Orphans’ Pension Fund Ordinance, 1885
	Bill	:	G.N. No. 457/1884
	First Reading	:	30 October 1884
	Second Reading	:	4 November 1884
	Notice of Amendments	:	22 January 1885
	Third Reading	:	22 January 1885
	Commencement	:	1 March 1885
2.	Ordinance X of 1888—The Widows’ and Orphans’ Pension Fund Ordinance Amendment Ordinance 1888
	Bill	:	G.N. No. 553/1888
	First Reading	:	4 October 1888
	Second Reading	:	18 October 1888
	Notice of Amendments	:	14 November 1888
	Third Reading	:	15 November 1888
	Commencement	:	15 November 1888
3.	Ordinance XIV of 1891—An Ordinance to amend “The Widows’ and Orphans’ Pension Fund Ordinance 1885”
	Bill	:	G.N. No. 514/1891
	First Reading	:	15 October 1891
	Second Reading	:	5 November 1891
	Third Reading	:	12 November 1891
	Commencement	:	12 November 1891
4.	Ordinance XV of 1892—The Widows’ and Orphans’ Pension Fund Ordinance Amendment Ordinance 1892
	Bill	:	G.N. No. 646/1892
	First Reading	:	1 December 1892
	Second and Third Readings	:	8 December 1892
	Commencement	:	8 December 1892
5.	Ordinance IX of 1896—The Widows’ and Orphans’ Pension Fund Ordinance 1896
	Bill	:	G.N. No. 312/1896
	First Reading	:	14 May 1896
	Second Reading	:	22 May 1896
	Third Reading	:	18 June 1896
	Commencement	:	18 June 1896
PART 2 THE WIDOWS AND ORPHANS’ PENSION FUND ORDINANCE 1901 (ORDINANCE V OF 1901)
6.	Ordinance V of 1901—The Widows and Orphans’ Pension Fund Ordinance 1901
	Bill	:	G.N. No. 962/1900
	First Reading	:	28 August 1900
	Second Reading	:	8 January 1901
	Notice of Amendments	:	12 March 1901
	Third Reading	:	26 March 1901
	Commencement	:	1 May 1901
7.	Ordinance VI of 1902—The Widows and Orphans Pension Fund Ordinance 1901 Amendment Ordinance 1902
	Bill	:	G.N. No. 25/1902
	First Reading	:	21 January 1902
	Second Reading	:	4 February 1902
	Third Reading	:	25 February 1902
	Commencement	:	25 February 1902
8.	Ordinance XXX of 1902—The Widows and Orphans Pension Fund Ordinance 1901 Amendment Ordinance 1902 No. II
	Bill	:	G.N. No. 1028/1902
	First Reading	:	15 August 1902
	Second Reading	:	22 August 1902
	Notice of Amendments	:	7 November 1902
	Third Reading	:	7 November 1902
	Commencement	:	7 November 1902
9.	Ordinance X of 1903—The Widows and Orphans Pension Fund Ordinance 1901 Amendment Ordinance 1903
	Bill	:	G.N. No. 626/1903
	First Reading	:	5 June 1903
	Second Reading	:	12 June 1903
	Amendments to Bill	:	19 June 1903
	Third Reading	:	26 June 1903
	Commencement	:	26 June 1903
PART 3 WIDOWS’ AND ORPHANS’ PENSION ACT 1904 (2020 REVISED EDITION)
10.	Ordinance XIX of 1904—The Widows’ and Orphans’ Pension Ordinance 1904
	Bill	:	G.N. No. 1228/1904
	First Reading	:	4 November 1904
	Second Reading	:	11 November 1904
	Notice of Amendments	:	2 December 1904
	Third Reading	:	2 December 1904
	Commencement	:	1 January 1905
11.	Ordinance XIV of 1905—The Widows and Orphans Pensions Ordinance 1904 Amendment Ordinance 1905
	Bill	:	G.N. No. 672/1905
	First Reading	:	19 May 1905
	Second Reading	:	26 May 1905
	Third Reading	:	16 June 1905
	Commencement	:	16 June 1905
12.	Ordinance IV of 1906—The Widows and Orphans Pension Ordinance 1904 Amendment Ordinance 1906
	Bill	:	G.N. No. 1542/1905
	First Reading	:	22 December 1905
	Second Reading	:	19 January 1906
	Third Reading	:	16 February 1906
	Commencement	:	16 February 1906
13.	Ordinance XIV of 1906—The Widows and Orphans Pension Ordinance 1904 Amendment Ordinance 1906 No. II
	Bill	:	G.N. No. 595/1906
	First Reading	:	22 June 1906
	Second Reading	:	29 June 1906
	Third Reading	:	13 July 1906
	Commencement	:	13 July 1906
14.	Ordinance VII of 1908—The Widows and Orphans Pension Ordinance 1904 Amendment Ordinance 1908
	Bill	:	G.N. No. 362/1908
	First Reading	:	1 May 1908
	Second Reading	:	22 May 1908
	Third Reading	:	21 August 1908
	Commencement	:	27 August 1908
15.	Ordinance XXXI of 1914—The Widows’ and Orphans’ Pension (Amendment) Ordinance 1914
	Bill	:	G.N. No. 716/1914
	First Reading	:	31 July 1914
	Second Reading	:	2 October 1914
	Third Reading	:	4 December 1914
	Commencement	:	18 December 1914
16.	Ordinance 3 of 1917—Widows’ and Orphans’ Pension (Amendment) Ordinance 1917
	Bill	:	G.N. No. 1080/1916
	First Reading	:	29 September 1916
	Second Reading	:	10 November 1916
	Third Reading	:	8 January 1917
	Commencement	:	13 January 1917
17.	1920 Revised Edition—Ordinance No. 89 (Widows’ and Orphans’ Pension)
	Operation	:	28 November 1921
18.	Ordinance 32 of 1922—Statute Laws (Revised Edition) Amendment Ordinance, 1922
	(Amendments made by section 6 of the above Ordinance)
	Bill	:	G.N. No. 1158/1922
	First Reading	:	14 August 1922
	Second Reading	:	11 September 1922
	Notice of Amendments	:	23 October 1922
	Third Reading	:	23 October 1922
	Commencement	:	28 November 1921 (section 6)
19.	Ordinance 2 of 1927—Widows’ and Orphans’ Pension (Amendment) Ordinance, 1927
	Bill	:	G.N. No. 2044/1926
	First Reading	:	13 December 1926
	Second and Third Readings	:	7 February 1927
	Commencement	:	1 January 1926
20.	1926 Revised Edition—Ordinance No. 89 (Widows’ and Orphans’ Pension)
	Operation	:	1 August 1926
21.	Ordinance 2 of 1929—Widows’ and Orphans’ Pension (Amendment) Ordinance, 1929
	Bill	:	G.N. No. 2131/1928
	First Reading	:	10 December 1928
	Second Reading	:	28 January 1929
	Notice of Amendments	:	28 January 1929
	Third Reading	:	25 March 1929
	Commencement	:	25 April 1929
22.	Ordinance 2 of 1933—Widows’ and Orphans’ Pension (Amendment) Ordinance, 1933
	Bill	:	G.N. No. 2151/1932
	First Reading	:	5 December 1932
	Second Reading	:	16 January 1933
	Notice of Amendments	:	16 January 1933
	Third Reading	:	16 January 1933
	Commencement	:	7 February 1933
23.	Ordinance 63 of 1935—Statute Law Revision Ordinance, 1935
	(Amendments made by section 2 read with item (i) of the First Schedule to the above Ordinance)
	Bill	:	G.N. No. 3043/1935
	First Reading	:	20 November 1935
	Second Reading	:	9 December 1935
	Notice of Amendments	:	9 December 1935
	Third Reading	:	9 December 1935
	Commencement	:	31 December 1935 (section 2 read with item (i) of the First Schedule)
24.	1936 Revised Edition—Widows’ and Orphans’ Pension Ordinance (Chapter 79)
	Operation	:	1 September 1936
25.	Ordinance 1 of 1937—Widows’ and Orphans’ Pension (Amendment) Ordinance, 1937
	Bill	:	G.N. No. 3285/1936
	First Reading	:	7 December 1936
	Second and Third Readings	:	15 February 1937
	Commencement	:	3 March 1937
26.	Ordinance 1 of 1938—Treasury Officers (Titles and Powers) Ordinance, 1938
	(Amendments made by section 2(1) read with the Schedule to the above Ordinance)
	Bill	:	G.N. No. 3460/1937
	First Reading	:	15 December 1937
	Second Reading	:	14 February 1938
	Notice of Amendments	:	14 February 1938
	Third Reading	:	14 February 1938
	Commencement	:	7 March 1938 (section 2(1) read with the Schedule)
27.	Ordinance 35 of 1952—Widows’ and Orphans’ Pension (Amendment) Ordinance, 1952
	Bill	:	35/1952
	First Reading	:	16 September 1952
	Second and Third Readings	:	14 October 1952
	Commencement	:	1 January 1955
28.	Ordinance 14 of 1958—Widows’ and Orphans’ Pension (Amendment No. 2) Ordinance, 1958
	Bill	:	144/1958
	First Reading	:	22 April 1958
	Second Reading	:	11 June 1958
	Notice of Amendments	:	11 June 1958
	Third Reading	:	11 June 1958
	Commencement	:	1 January 1955 (sections 4 and 5) 1 September 1958 (sections 1 to 3 and 6 to 10)
29.	1955 Revised Edition—Widows’ and Orphans’ Pension Ordinance (Chapter 61)
	Operation	:	1 July 1956
30.	Ordinance 3 of 1958—Widows’ and Orphans’ Pension (Amendment) Ordinance, 1958
	Bill	:	126/1957
	First Reading	:	13 December 1957
	Second and Third Readings	:	8 January 1958
	Commencement	:	20 January 1958
31.	G.N. No. S 223/1959—Singapore Constitution (Modification of Laws) Order, 1959
	Commencement	:	3 June 1959
32.	Ordinance 72 of 1959—Transfer of Powers (No. 2) Ordinance, 1959
	(Amendments made by section 2 read with the First Schedule to the above Ordinance)
	Bill	:	31/1959
	First Reading	:	22 September 1959
	Second Reading	:	11 November 1959
	Notice of Amendments	:	11 November 1959
	Third Reading	:	11 November 1959
	Commencement	:	20 November 1959 (section 2 read with the First Schedule)
33.	G.N. No. S (N.S.) 178/1959—Singapore Constitution (Modification of Laws) (No. 4) Order, 1959
	Commencement	:	20 November 1959
34.	G.N. No. S (N.S.) 179/1959—Singapore Constitution (Modification of Laws) (No. 5) Order, 1959
	Commencement	:	20 November 1959
35.	Ordinance 6 of 1964—Widows’ and Orphans’ Pension (Amendment) Ordinance, 1964
	Bill	:	21/1964
	First Reading	:	10 June 1964
	Second and Third Readings	:	2 November 1964
	Commencement	:	2 March 1961
36.	Act 18 of 1965—Widows’ and Orphans’ Pension (Amendment) Act, 1965
	Bill	:	49/1965
	First Reading	:	13 December 1965
	Second and Third Readings	:	29 December 1965
	Commencement	:	1 April 1965
37.	Act 14 of 1969—Statute Law Revision Act, 1969
	(Amendments made by section 2 read with the First Schedule to the above Act)
	Bill	:	22/1969
	First Reading	:	15 October 1969
	Second Reading	:	22 December 1969
	Notice of Amendments	:	22 December 1969
	Third Reading	:	22 December 1969
	Commencement	:	2 January 1970 (section 2 read with the First Schedule)
38.	1970 Revised Edition—Widows’ and Orphans’ Pension Act (Chapter 58)
	Operation	:	1 April 1971
39.	1985 Revised Edition—Widows’ and Orphans’ Pension Act (Chapter 350)
	Operation	:	30 March 1987
40.	Act 8 of 1995—Pension Fund Act 1995
	(Amendments made by section 17 of the above Act)
	Bill	:	2/1995
	First Reading	:	23 January 1995
	Second and Third Readings	:	1 March 1995
	Commencement	:	1 April 1995 (section 17)
41.	2020 Revised Edition—Widows’ and Orphans’ Pension Act 1904
	Operation	:	31 December 2021

Abbreviations

	(updated on 29 August 2022)
G.N.	Gazette Notification
G.N. Sp.	Gazette Notification (Special Supplement)
L.A.	Legislative Assembly
L.N.	Legal Notification (Federal/Malaysian)
M.	Malaya/Malaysia (including Federated Malay States, Malayan Union, Federation of Malaya and Federation of Malaysia)
Parl.	Parliament
S	Subsidiary Legislation
S.I.	Statutory Instrument (United Kingdom)
S (N.S.)	Subsidiary Legislation (New Series)
S.S.G.G.	Straits Settlements Government Gazette
S.S.G.G. (E)	Straits Settlements Government Gazette (Extraordinary)