Widows’ and Orphans’ Pension Act


Published: 1957-11-01

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Widows and Orphans Pension Act
WIDOWS’ AND ORPHANS’ PENSION [IV – 143


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[Original Service 2001] STATUTE LAW OF THE BAHAMAS

WIDOWS’ AND ORPHANS’ PENSION
Act No. 65 of 1954

WIDOWS’ AND ORPHANS’ PENSION
An Act to provide pensions for widows and orphans of

members of the public service.
[Assent 22nd July, 1954]

[Commencement 1st November, 1957]

PART I
PRELIMINARY

1. This Act may be cited as the Widows’ and
Orphans’ Pension Act.

2. (1) In this Act, unless the context otherwise
requires, the following expressions have the meanings
hereby assigned to them, that is to say:

“beneficiary” means —
(a) the widow of a contributor;
(b) the child of pensionable age of a contribu-

tor, by his marriage with any wife who has
died or is not entitled to pension under this
Act:
Provided that, when there are two or more

such children of one marriage, such children
shall constitute one beneficiary;

“Contributor” means a person who is contributing to
the fund and save as otherwise provided in this
Act, includes a person who has ceased to
contribute;

“Crown Agents” means the Crown Agents for Over-
sea Governments and Administrations;

“Minister” means the Minister for Finance;
“pension” means any pension granted to a beneficiary

under this Act except when the context implies
that a pension granted to the contributor himself
is meant;

“Treasurer” means the Treasurer of The Bahamas.

65 of 1954
79 of 1957
71 of 1961
53 of 1962
18 of 1965
10 of 1975
2 of 1979

Short title.

Interpretation.
2 of 1979.

18 of 1965, Sch.

IV – 144] WIDOWS’ AND ORPHANS’ PENSION




STATUTE LAW OF THE BAHAMAS [Original Service 2001]

(2) A child shall be of pensionable age for the
purposes of this Act, in the case of a male, if he is under the
age of seventeen years, and, in the case of a female if she is
under the age of eighteen years and has not married.

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

(4) A child who shall have been legitimated by
marriage according to the law of the country of the
father’s domicile at the date of the marriage shall, for the
purposes of this Act, be deemed to be a child of that
marriage.

PART II
ESTABLISHMENT OF FUND AND MANAGEMENT

3 and 4. .......
5. Every contributor shall within three months of

his first becoming a contributor notify to the Minister in
writing the date of his birth and, if he is then married or a
widower with children of pensionable age, the dates of his
marriage and of the births of his wife and children (if
any).(2) Every contributor who marries while a contributor
shall within three months after his marriage notify to the
Minister in writing the fact and the date of his marriage and
the date of the birth of his wife.

(3) Every contributor shall notify to the Minister in
writing within three months from the date of the event —

(a) the birth of any child born to him or the
adoption of any child by him and the date
thereof as the case may be;

(b) the marriage of any female child of his under the
age of eighteen years;

(c) the death of his wife or the death or adoption of
any of his children of a pensionable age,
occurring while he is a contributor;

(d) The annulment or dissolution of his marriage
and the date thereof.

2 of 1975.

Information to be
furnished by
contributors and
widows.

71 of 1961, s. 3.

71 of 1961, s. 3.

WIDOWS’ AND ORPHANS’ PENSION [IV – 145


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[Original Service 2001] STATUTE LAW OF THE BAHAMAS

(4) After the death of any married contributor the
widow of such contributor shall notify to the Minister in
writing, within three months from the date of the event —

(a) the date of the death of such contributor, if he
was not at the time in the service of The
Bahamas;

(b) the birth of any posthumous child of such
contributor and the date thereof;

(c) the marriage of any female child of such
contributor under the age of eighteen years;

(d) the death or adoption of any child of such
contributor while of a pensionable age;

(e) her own re-marriage or bankruptcy.
(5) Any such statement or notice shall be verified by

the production of birth, death, or marriage certificate or by
affidavit or otherwise, to the satisfaction of the Minister as
the case may be.

(6) This section shall not apply to any marriage to
which subsection (1) of section 29 of this Act applies or to
the wife, widow or child or any such marriage.

6. (1) A contributor or widow who fails or neglects
to comply with any of the requirements of the foregoing
section shall, for each default, be liable, at the discretion of
the Minister, to pay to the Minister a sum not exceeding
eight dollars which may be deducted from his or her salary
or pension as the case may be.

(2) If a contributor or widow of a contributor shall
at any time have wilfully made any false statement
respecting any of the particulars required by this Act to be
furnished, all or any part of the rights under the fund of the
contributor or the widow or any child of the contributor
may be forfeited by the Governor-General, and the
Governor-General may give directions for increasing the
pension payable to any child of the contributor in
consequence of forfeiture under this section of the rights
of any other child or the widow of the contributor and
such pension shall be increased accordingly:

Provided that the total pension payable does not
exceed the amount which would have been payable had
there been no forfeiture.

57 of 1957, s. 4.

71 of 1961, s. 3.

Penalties.

5 of 1987 s. 2.

18 of 1965, Sch.

IV – 146] WIDOWS’ AND ORPHANS’ PENSION




STATUTE LAW OF THE BAHAMAS [Original Service 2001]

(3) Nothing in this section shall prejudice any right of
the Minister to recover any sum paid out of the fund which
would not have been paid but for such failure, neglect or
false statement as aforesaid.

7 to 21 inclusive ......
22. If a contributor who is married or a widower with

children of pensionable age retires from the public service
on the ground of ill-health and is not granted a pension
from the revenues of The Bahamas, any pension payable
on his death shall, if such death occurs not later than two
years after the date of his retirement, be computed as if he
had died on the day preceding that date.

PART VI
CALCULATION AND PAYMENT OF PENSIONS

23. (1) Pensions under this Act shall be calculated in
accordance with the pension tables set forth in Schedules
A, B and C to this Act and in accordance with the
Instructions set forth in Schedules D and E to this Act and
the Treasurer shall pay the pensions, or cause them to be
paid by the Crown Agents as they become due.

(2) All pensions payable under this Act shall,
subject to the provisions of this Act, commence upon the
day after the death of the contributor in respect of whom
they are payable, shall accrue daily, and shall be payable
monthly in arrears:

Provided that a pension may be paid quarterly instead
of monthly if the person to whom it is payable so desires.

23A. (1) Notwithstanding anything contained in this
Act —

(a) pensions payable in respect of contributors who
died before the 1st November, 1967; and

(b) pensions registered in respect of married or
widowed officers who ceased to be contributors
before the 1st November, 1967,

shall be calculated in accordance with the pension tables
and instructions which were in force on the 31st October,
1967.

(2) To any pension calculated in accordance with
the provisions of this section there shall be added a sum of
twenty per centum of the pension so calculated.

2 of 1979.

Retirements for
ill-health without
pension.

Calculation of
pension.
79 of 1957 s. 11.

Schedules

Calculation of
pensions where
contributors died
before the 1st
November, 1967,
etc.
10 of 1975, s. 4.

WIDOWS’ AND ORPHANS’ PENSION [IV – 147


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[Original Service 2001] STATUTE LAW OF THE BAHAMAS

(3) The provisions of this section shall be deemed to
have come into operation on the 1st November, 1967.

24. .……
25. Subject to the provision of this Act —
(a) on the death of a contributor leaving one or

more beneficiaries, the beneficiary, or each of
such beneficiaries, as the case may be, shall
receive a pension in accordance with the provi-
sions of this Act;

(b) if pensions are payable to more than one
beneficiary, each beneficiary shall receive such
a proportion of the pension which such bene-
ficiary would have received, if sole beneficiary, as
unity bears to the total number of beneficiaries;

(c) where there are two or more beneficiaries
receiving pensions in respect of the same
contributor and the pension payable to one of
such beneficiaries lapses under the provisions of
this Act, the other beneficiary or beneficiaries
shall, as from the date of such lapse, receive the
pension or pensions which they would have
received if such first mentioned beneficiary had
not been in existence at the death of such
contributor.

26. (1) Where there is only one child of a contributor
by any marriage entitled to pension, the pension shall be at
the same rate as the pension which his or her mother
received, or would have received, if it had been payable to
her, and shall lapse when such child ceases to be of
pensionable age or dies.

(2) Where there are two or more children of a
contributor by any marriage entitled to pension, the
pension shall be at the same rate as the pension which
their mother received, or would have received, if it had
become payable to her, and shall be paid to such children
in equal shares. When any of such children ceases to be of
pensionable age or dies his or her share of such pension
shall be paid to the remaining child of the same marriage
of pensionable age, or, if there are two or more such
children, to those children in equal shares.

2 of 1979.

Rights of
individual
beneficiaries.

Pensions of
children.

IV – 148] WIDOWS’ AND ORPHANS’ PENSION




STATUTE LAW OF THE BAHAMAS [Original Service 2001]

27. (1) Where a beneficiary is the widow of a
contributor, the pension shall cease to be payable to her
on her re-marriage.

(2) When such pension ceases as aforesaid or by
reason of the death of the widow or is forfeited under sub
section (2) of section 6 of this Act, if there are no children
of the marriage of the widow with the contributor living
and of pensionable age, the pension shall lapse, and, if
there are such children, the pension shall be paid to such
children in accordance with the provisions of this Act.

28. Where a beneficiary, being a widow of a
contributor, is adjudged bankrupt or declared insolvent by
any competent court, the pension shall thereupon cease to
be payable to her, and, if the Governor-General so directs,
shall lapse:

Provided that, if and so long as the Governor-General
shall not have directed that the pension shall lapse, the
Governor may, during the remainder of her life, or during
such shorter period or periods, either continuous or
discontinuous, as he shall think fit, from time to time, pay
an allowance at a rate not exceeding the rate of such
pension to such widow or to any child or children of her
marriage to the contributor, or in part to the widow and in
part to any such child or children; and where the amount of
the allowance so paid is less than the amount of the
pension the Governor-General may give directions for
increasing, in consequence of the reduction under this
section of the amount payable out of the fund, the pension
payable to any child of any other marriage of the
contributor, and such pension shall be increased accord-
ingly.

29. (1) No widow of a contributor whose marriage
with him is contracted after he has either attained the age
of sixty years or left the public service and no issue of such
marriage shall constitute a beneficiary for the purposes of
this Act or become entitled to pension.

(2) Where a contributor dies within twelve months
of his marriage and there is no issue of such marriage, his
widow shall not constitute a beneficiary for the purposes
of, or become entitled to any pension under this Act.

Death or re-
marriage of
widow.

Bankruptcy of
widow.

18 of 1965, Sch.

Certain persons
not entitled to
pensions.
79 of 1957, s. 13.

WIDOWS’ AND ORPHANS’ PENSION [IV – 149


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[Original Service 2001] STATUTE LAW OF THE BAHAMAS

30. (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 sixty at the
time of the adoption; and

(c) the adoption was in accordance with the law of
the place where the contributor was resident at
the time of the adoption.

(2) The child of a contributor who is adopted by any
other person —

(a) in the lifetime of the contributor, or while a
pension is being paid under this Act to the
mother of that child, shall be deemed, for the
purpose of this Act, to have died at the date of
the adoption;

(b) after the death of the contributor shall, if he is
being paid a pension or share of a pension under
this Act, continue to be paid such pension or
such share.

(3) Nothing in this section shall entitle an adopted
child to be paid a pension or a share in any pension where
the payment to him of such pension or such share would
diminish the pension or the share of any pension
immediately payable or being paid at the date on which
this section comes into operation to the widow or to any
child or children by marriage of the contributor.

31. If the Minister is satisfied that the widow of a
contributor while in receipt of a pension has deserted or
abandoned or has failed or is failing to maintain or assist,
so far as her means allow, a child of her marriage with the
contributor, being a child whom she is bound by law to
maintain and who is of pensionable age, the Minister may
in his uncontrolled discretion, while such child remains of
pensionable age, pay or cause to be paid to such child such
portion of the pension as he may think fit and the widow
shall have no further claim in respect of any portion of the
pensions so paid.

Adopted
children.
79 of 1957, s. 14.

71 of 1961, s. 4.

79 of 1957, s. 14.

Failure to
maintain child.

IV – 150] WIDOWS’ AND ORPHANS’ PENSION




STATUTE LAW OF THE BAHAMAS [Original Service 2001]

32. Any pension or part of a pension or any
allowance payable under or by virtue of this Act to a
minor, and any allowance payable by virtue of this Act to a
widow, may, as the Minister in his uncontrolled discretion
from time to time determine, be paid either —

(a) to such minor or widow; or
(b) to such person or persons as the Minister may

think fit, for, or to be applied for, the
maintenance, support, or benefit of the minor or
widow.

33. The Minister may require such proof as he
considers desirable that any person who claims to be
entitled to pension, or on behalf of whom such a claim is
made, is alive and entitled to pension, and the payment of
any pension may be refused until such proof is furnished to
the satisfaction of the Minister.

34. In exercise of his powers under the provisions of
section 6 or 28 of the Act the Governor-General shall act in
accordance with paragraph (2) of Article 123 of the
Constitution.

PART VII
MISCELLANEOUS

35. Except as expressly provided in this Act no
pension payable, and no rights of any contributor, under
this Act shall be assignable or transferable or liable to be
attached, sequestered or levied upon for, or in respect of,
any debt or claim whatsoever:

Provided that any contribution or other sum due to
the fund from a contributor or deceased contributor may be
deducted from any amount payable out of the fund to or in
respect of such contributor; and any sum due to the fund
from a widow or child of a contributor may be deducted
from any pension or allowance payable to or on behalf of
such widow or child by virtue of this Act.

36. For the payment of contributions, pensions and
all other sums under this Act the rate or rates of exchange,
in all cases where conversion is necessary, shall be such as
may be determined from time to time by the Minister for
the purpose.

Payment of
minors’ pensions
and widows’
allowances.

Proof of claim to
pension

Governor-
General’s
powers.
18 of 1965, Sch.
E.L.A.O., 1974.

Pension not to be
assigned or levied
upon.

Rates of
exchange.

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[Original Service 2001] STATUTE LAW OF THE BAHAMAS

37. All questions and disputes as to who is entitled to
be regarded as 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 determined by the Minister whose decision
shall be binding and conclusive on all parties, shall be final to
all intents and purposes, and shall not be subject to
appeal or be called in question by or before any court.

38. The Minister may make rules for the carrying
out of the provisions of this Act.

39. Notwithstanding anything to the contrary, and,
in particular, notwithstanding the omission of section 37 of
The Widows’ and Orphans’ Pension Act (contained in
Chapter 370 of the Statute Law of the Bahama Islands,
Revised Edition 1957) from the said Act as revised in
Chapter 321 of the Statute Law of the Bahama Islands,
Revised Edition 1965, the last sentence of the said section
37 shall be deemed never to have been omitted, and every
premium advanced by the Treasurer in respect of a policy
of life insurance assigned by the Treasurer to an officer and
recovered from an officer’s salary by the Treasurer in the
purported exercise of the power conferred by the said
sentence shall be deemed to have been validly and properly
advanced and recovered.

SCHEDULE A (Section 23)
The yearly pension, payable by monthly instalments, which a single payment

of 1 month’s instalment will secure

Age of wife last birthday Age of
husband
last Birthday 15 20 25 30 35 40 45 50 55 60 65 70 75 80

15 .521 .581 .672 .784 .923 1.106

16 .485 .550 .636 .743 .874 1.046

17 .460 .521 .602 .703 .826 .988

18 .436 .493 .569 .664 .779

19 .413 .466 .537 .626 .734 .878



20 .392 .441 .506 .589 .691 .826 1.002

1 .372 .417 .476 .552 .649 .775 .935

2 .353 .394 .450 .521 .610 .730 .877

3 .335 .373 .426 .490 .575 .690 .826

4 .318 .356 .403 .463 .543 .649 .781

Questions and
disputes to be
decided by the
Minister.

Rules.
18 of 1965, Sch.

Validation of
certain payments
on behalf of
officers by the
Treasurer etc.
10 of 1975, s. 2.

10 of 1975, s. 5.

IV – 152] WIDOWS’ AND ORPHANS’ PENSION




STATUTE LAW OF THE BAHAMAS [Original Service 2001]


Age of wife last birthday Age of

husband
last Birthday 15 20 25 30 35 40 45 50 55 60 65 70 75 80

25 .302 .337 .382 .435 .514 .612 .734 .893

6 .287 .321 .362 .414 .488 .578 .694 .847

7 .275 .305 .342 .394 .461 .547 .658 .800

8 .261 .289 .326 .372 .437 .517 .624 .758

9 .250 .276 .310 .354 .412 .490 .592 .719



30 .240 .264 .295 .337 .392 .464 .562 .680 .847

1 .230 .252 .281 .321 .373 .442 .533 .645 .806

2 .221 .241 .269 .306 .352 .417 .505 .613 .763

3 .212 .230 .257 .291 .334 .395 .479 .585 .725

4 .203 .220 .245 .276 .318 .376 .454 .556 .690



35 .194 .211 .234 .262 303 .358 .431 .523 .659 .833

6 .186 .202 .224 .250 .287 .340 .409 .502 .624 .794

7 .179 .194 .214 .239 .273 .324 .388 .477 .595 .758

8 .172 .186 .205 .228 .260 .306 .368 .453 .568 .725

9 .166 .179 .196 .218 .248 .292 .350 .430 .541 .690



40 .160 .172 .187 .209 .238 .278 .333 .408 .514 .659 .862

1 .154 .166 .179 .200 .228 .265 .315 .388 .491 .629 .826

2 .149 .160 .172 .192 .218 .252 .300 .369 .465 .599 .788

3 .144 .154 .165 .184 .208 .241 .286 .351 .442 .571 .752

4 .139 .148 .159 .176 .199 .230 .272 .334 .420 .546 .720



45 .134 .142 .153 .168 .190 .219 .260 .317 .401 .520 .685 .934

6 .129 .137 .147 .161 .182 .209 .247 .301 .381 .496 .654 .901

7 .124 .132 .142 .155 .174 .200 .235 .286 .361 .473 .625 .870

8 .120 .127 .137 .149 .167 .191 .224 .272 .345 .448 .599 .833

9 .116 .123 .132 .143 .160 .182 .214 .260 .328 .428 .572 .800



50 .112 .119 .127 .138 .153 .174 .204 .248 .312 .406 .546 .763 1.087

1 .108 .115 .123 .133 .147 .167 .194 .236 .297 .385 .521 .731 1.053

2 .105 .111 .119 .128 .141 .160 .185 .225 .282 .365 .496 .699 1.010

3 .102 .107 .115 .123 .135 .153 .177 .214 .267 .346 .472 .667 .970

4 .099 .103 .111 .118 .130 .146 .169 .203 .253 .328 .448 .636 .934



55 .096 .100 .107 .114 .125 .140 .162 .193 .239 .312 .425 .605 .901 1.370

6 .093 .097 .103 .110 .120 .134 .155 .184 .226 .296 .403 .575 .883 .1333

7 .090 .094 .100 .106 .116 .129 .149 .175 .216 .280 .379 .543 .826 1.299

8 .093 .091 .097 .102 .112 .124 .143 .167 .203 .265 .360 .513 .788 1.266

9 .086 .088 .094 .99 .108 .120 .137 .160 .193 .250 .339 .485 .752 1.220

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SCHEDULE B (Section 23)
The yearly pension, payable by monthly instalments, which a yearly

contribution of 1, payable by monthly instalments until the
attainment of age 60, will secure.

Age of wife last birthday Age of
husband
last Birthday 15 20 25 30 35 40 45 50 55 60 65 70 75 80

15 10.24 11.74 13.57 15.84 18.04 22.34

16 9.70 11.01 12.73 14.87 17.49 20.93

17 9.11 10.32 11.93 13.93 16.36 19.57

18 8.55 9.66 11.15 13.01 15.27 18.27

19 8.01 9.04 10.41 12.14 14.23 17.09



20 7.51 8.45 9.69 11.29 13.24 15.88 19.20

1 7.04 7.89 9.01 10.45 12.29 14.67 17.70

2 6.59 7.36 8.41 9.72 11.39 13.64 16.38

3 6.17 6.87 7.85 9.03 10.60 12.72 15.22

4 5.77 6.46 7.32 8.41 9.86 11.79 14.18



25 5.41 6.03 6.84 7.86 9.20 10.95 13.14 15.98

6 5.06 5.66 6.39 7.30 8.61 10.20 12.24 14.94

7 4.77 5.29 5.94 6.84 8.00 9.50 11.42 13.89

8 4.46 4.93 5.56 6.35 7.46 8.83 10.65 12.94

9 4.19 4.63 5.20 5.93 6.91 8.21 9.92 12.05



30 3.95 4.35 4.86 5.55 6.45 7.64 9.25 11.19 13.94

1 3.71 4.07 4.54 5.18 6.02 7.13 8.60 10.41 13.01

2 3.50 3.81 4.26 4.84 5.57 6.60 7.99 9.70 12.07

3 3.28 3.56 3.98 4.50 5.17 6.11 7.41 9.06 11.22

4 3.07 3.33 3.70 4.17 4.81 5.69 6.86 8.41 10.43



35 2.86 3.11 3.45 3.87 4.47 5.28 6.36 7.79 9.73 12.30

6 2.68 2.91 3.22 3.60 4.13 4.89 5.89 7.22 8.98 11.43

7 2.51 2.72 3.00 3.35 3.82 4.54 5.43 6.68 8.33 10.61

8 2.34 2.53 2.79 3.10 3.54 4.16 5.00 6.16 7.72 9.86

9 2.19 2.36 2.59 2.88 3.27 3.85 4.62 5.67 7.14 9.10



40 2.04 2.19 2.39 2.67 3.04 3.55 4.25 5.21 6.56 8.41 11.00

1 1.90 2.05 2.21 2.46 2.81 3.26 3.88 4.78 6.05 7.75 10.18

2 1.77 1.90 2.04 2.28 2.59 3.00 3.56 4.38 5.52 7.13 9.35

3 1.64 1.76 1.88 2.10 2.37 2.75 3.26 4.00 5.04 6.51 8.57

4 1.52 1.61 1.73 1.92 2.17 2.51 2.97 3.64 4.58 5.96 7.86



45 1.39 1.48 1.59 1.75 1.98 2.28 2.70 3.30 4.17 5.41 7.12 9.71

6 1.27 1.35 1.45 1.59 1.80 2.06 2.44 2.97 3.76 4.90 6.46 8.90

7 1.16 1.23 1.32 1.45 1.62 1.87 2.19 2.67 3.37 4.41 5.83 8.12

8 1.05 1.11 1.20 1.31 1.46 1.67 1.96 2.30 3.02 3.92 5.25 7.30

9 .95 1.00 1.08 1.17 1.31 1.49 1.75 2.12 2.68 3.49 4.67 6.53

10 of 1975, s. 5

IV – 154] WIDOWS’ AND ORPHANS’ PENSION




STATUTE LAW OF THE BAHAMAS [Original Service 2001]



Age of wife last birthday Age of
husband
last Birthday 15 20 25 30 35 40 45 50 55 60 65 70 75 80

50 .84 .90 .96 1.04 1.15 1.31 1.54 1.87 2.35 3.06 4.12 5.75 8.20

1 .74 .79 .85 .92 1.01 1.15 1.34 1.63 2.05 2.65 3.59 5.04 7.26

2 .65 .69 .74 79 .88 .99 1.15 1.40 1.75 2.27 3.08 4.34 6.27

3 .56 .59 .63 .68 .74 .84 .97 1.18 1.47 1.90 2.60 3.67 5.34

4 .47 .49 .53 .56 .62 .69 .80 .97 1.20 1.56 2.13 3.03 4.45



55 .38 .04 .43 .46 .50 .56 .65 .77 .96 1.25 1.70 2.42 3.90 5.48

6 .30 .31 .33 .35 .38 .43 .49 .59 .72 .94 1.28 1.83 5.74 4.24

7 .21 .22 .23 .25 .27 .30 .35 .41 .50 .65 .88 1.27 1.92 3.03

8 .13 .13 .14 .15 .16 .18 .20 .24 .29 .38 .51 .73 1.13 1.81

9 .04 .04 .05 .02 .02 .06 .07 .08 .09 .12 .16 .23 36 .59

SCHEDULE C (Section 23)
The single payment which will secure a yearly pension of 1, payable

by monthly instalments

Age of wife last birthday Age of
husband
last Birthday 15 20 25 30 35 40 45 50 55 60 65 70 75 80

15 1.95 1.72 1 .49 1.28 1.08 .90

16 2.06 1.82 1.58 1.35 1.14 .95

17 2.17 1.92 1.67 1.43 1.21 1.01

18 2.29 2.03 1.77 1.51 1.28 1.07

19 2.42 2.15 1.87 1.60 1.36 1.14



20 2.55 2.27 1.98 1.70 1.45 1.21 1.00

1 2.69 2.40 2.10 1.81 1.54 1.29 1.07

2 2.84 2.54 2.22 1.92 1.64 1.37 1.14

3 2.99 2.68 2.35 2.04 1.74 1.45 1.21

4 3.15 2.82 2.43 2.16 1.84 1.54 1.28



25 3.34 2.97 2.63 2.28 1.94 1.63 1.36 1.12

6 3.47 3.12 2.77 2.41 2.05 1.73 1.44 1.18

7 3.64 3.28 2.98 2.54 2.17 1.83 1.52 1.25

8 3.81 3.45 3.07 2.68 2.29 1.93 1.60 1.32

9 3.98 3.62 3.23 2.82 2.42 2.04 1.69 1.35



30 4.16 3.79 3.39 2.96 2.55 2.15 1.78 1.47 1.18

1 4.35 3.97 3.56 3.11 2.69 2.27 1.88 1.55 1.24

2 4.54 4.16 3.73 3.27 2.84 2.40 1.98 1.63 1.31

3 4.74 4.35 3.94 3.44 2.99 2.53 2.09 1.71 1.38

4 4.94 4.54 4.09 3.62 3.14 2.66 2.20 1.80 1.45

10 of 1975, s. 5

WIDOWS’ AND ORPHANS’ PENSION [IV – 155


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Age of wife last birthday Age of
husband
last Birthday 15 20 25 30 35 40 45 50 55 60 65 70 75 80

35 5.14 4.74 4.28 3.81 3130 2.80 2.32 1.89 1.52 1.20

6 5.35 4.95 4.48 4.00 3.47 2.95 2.44 1.99 1.60 1.26

7 5.57 5.16 4.69 4.19 3.65 3.11 2.57 2.10 1.68 1.32

8 5.79 5.38 4.90 4.39 3.83 3.27 2.71 2.21 1.76 1.38

9 6.02 5.60 5.12 4.59 4.01 3.43 2.86 2.33 1.85 1.45



40 6.25 5.82 5.34 4.79 4.20 3.60 3.01 2.45 1.94 1.52 1.16

1 6.49 6.05 5.57 4.40 4.40 3.78 3.17 2.58 2.04 1.59 1.21

2 6.73 6.29 5.80 5.22 4.61 3.97 3.33 2.72 2.15 1.67 1.27

3 6.98 6.53 6.04 5.45 4.82 4.16 3.50 2.86 2.26 1.75 1.33

4 7.23 6.78 6.28 5.69 5.04 4.36 3.67 3.00 2.38 1.83 1.39



45 7.49 7.03 6.52 5.93 5.26 4.57 3.85 3.15 2.50 1.92 1.46 1.07

6 7.75 7.29 6.77 6.18 5.49 4.79 4.04 3.31 2.63 2.02 1.53 1.11

7 8.02 7.56 7.03 6.44 5.73 5.01 4.24 3.48 2.77 2.12 1.60 1.15

8 8.29 7.84 7.30 6.70 5.98 5.24 4.45 3.66 2.91 2.23 1.67 1.10

9 8.57 8.12 7.58 6.97 6.24 5.48 4.67 3.85 3.08 2.34 1.75 .25



50 8.86 8.41 7.86 7.24 6.52 5.73 4.90 4.04 3.21 2.46 1.83 1.31 .92

1 9.16 8.70 8.15 7.52 6.80 5.99 5.14 4.25 3.38 2.59 1.92 1.37 .95

2 9.46 9.00 8.45 7.81 7.09 6.26 5.39 4.47 3.56 2.73 2.02 1.43 .99

3 9.77 9.31 8.76 8.11 7.38 6.54 5.65 4.70 3.75 2.88 2.12 1.50 1.03

4 10.09 9.63 9.08 8.42 7.68 6.83 5.91 4.94 3.96 3.04 2.23 1.57 1.07



55 10.42 9.95 9.40 8.74 7.98 7.12 6.18 5.18 4.17 3.20 2.35 1.65 1.11 .73

6 10.76 10.28 9.72 9.07 8.30 7.43 6.46 5.44 4.40 3.38 2.45 1.74 1.16 .75

7 11.10 10.62 10.06 9.40 8.63 7.75 6.74 5.71 4.64 3.58 2.64 1.84 1.21 .77

8 11.45 10.96 10.40 9.74 8.96 8.07 7.03 6.00 4.89 3.79 2.80 1.95 1.27 .79

9 11.81 11.31 10.74 10.00 9.30 8.40 7.32 6.31 5.16 4.02 2.97 2.06 1.33 .82

SCHEDULE D (Section 23)

INSTRUCTIONS FOR THE USE OF THE PENSIONS TABLES
In these notes “contributions” means the combined contribu-

tions of the Government and the officer.
The tables in Schedules A, B and C and the instructions in this

Schedule shall apply —
(a) to all pensions registered in respect of officers who began to

contribute on or after the 1st November, 1967;
(b) to all pensions registered in respect of officers who were

contributing on the 1st November, 1967 for the purpose of
computing variations when their rates of contribution rise or
fall on or after that date;

NOTE (1).
10 of 1975, s. 5

NOTE (2).

IV – 156] WIDOWS’ AND ORPHANS’ PENSION




STATUTE LAW OF THE BAHAMAS [Original Service 2001]

(c) to all pensions registered on marriage in respect of bachelors
who marry on or after 1st November, 1967 in relation to
contributions paid both before and after marriage;

(d) to all pensions registered in respect of widowers for the
purpose of computing variations if they remarry on or after the
1st November, 1967.
The instructions in Schedule E shall apply to all pensions

registered in respect of officers who were contributors on the 31st
October, 1967 and who continued to contribute thereafter.

A. CONTRIBUTOR WHO COMMENCED TO CONTRIBUTE
WHILE A BACHELOR

I. The registered pension to be recorded on marriage is
found by adding together the two amounts calculated in
accordance with the following rules I(a) and I(b) respectively.
(a) Pension in consideration of the contributions paid during

bachelorhood.
Rule I(a). Accumulate the contributions at 3 per cent

compound interest with yearly rests at each 31st December, and
multiply the result by the quantity found from Table A
corresponding to the respective ages last birthday of the husband
and wife at the date of marriage.

The product gives the registered pension on account of the
contributions paid during bachelorhood.
(a) Pension in consideration of the annual contribution at the date

of marriage.
Rule I(b). Multiply the amount of the annual contribution by

the quantity found from Table B corresponding to the respective
ages last birthday of the husband and wife at the date of marriage.

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

Example:
Officer born on 4th May, 1946
Officer commenced to contribute on 1st November, 1967
Officer married on 31st October, 1969
Wife born on 5th September, 1950
Officers age last birthday at date of marriage 23
Wife’s age last birthday at date of marriage 19

NOTE (3).

First Wife’s
Prospective
Pension.

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Annual contributions: $ c
1st January, 1967, to 31st December, 1967 100.00
1st January, 1968, to 31st December, 1968 100.00
1st January, 1969, to date of marriage 120.00
Accumulation of contribution paid during bachelorhood:
Rule I(a)
Contributions from 1st November, 1967 to 31st
December, 1967 $ 16.66
Contributions during 1968 100.00
One year’s interest at 3 per cent on $16.66 50

117.16
Contributions from 1st January, 1969 to date of
marriage 100.00
Five-sixth year’s interest at 3 per cent per
annum on $117.16 2.93

220.09
Quantity found from Table A:
Husband: aged 23 last birthday
Wife: aged 19 last birthday }.365
Then the registered pension in consideration of contributions paid
during bachelorhood = .365 x $220.09 = $80.33

Rule I(b)
Annual contribution at date of marriage = $120.00
Quantity found from Table B:
Husband : aged 23 last birthday
Wife : aged 19 last birthday }6.73
Then the registered pension in consideration of annual contribution at
marriage = 6.73 x $120.00 = $807.60
Total registered pension recorded on marriage of the bachelor:
By Rule I(a) — $ 80.33
By Rule I(b) — $807.60

$887.93

(c) Variations of pension consequent on increments to, and
decrement from, the annual contribution while the contributor
is married to his first wife.
Rule I(c). Multiply the amount of the increment to, or the

decrement from, the annual contribution by the quantity found
from Table B corresponding to the respective ages last birthday of
husband and wife at the date of the variation of the contribution.

IV – 158] WIDOWS’ AND ORPHANS’ PENSION




STATUTE LAW OF THE BAHAMAS [Original Service 2001]

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

The cessation of the contribution, from any cause other
than death, before the completion of the full period of
contribution must be regarded as a decrement from the full
period of contribution equal to the amount of such annual
contribution.

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

I(b)
Annual contribution increased on 1st June, 1971 from $120 to

$124.
Annual contribution increased on 1st February, 1975 from

$124 to $128
Annual contribution ceased on 31st March, 1993
1st June, 1971-Increment to annual contribution $4.00
Quantity found from Table B:

Husband : aged 25 last birthday
Wife : aged 20 last birthday }6.03

Then amount to be added to
Registered pension 6.03 x $4 = $24.12
Registered pension at date of marriage $887.93c
Add registered pension purchased by
Increment of $4


24.12

Registered pension at 1st June, 1971 $912.05
1st February, 1975-Increment to annual
contribution


$4.00

Quantity found from Table B:
Husband: aged 28 last birthday
Wife : aged 24 last birthday }5.43

Then amount to be added to
registered pension 5.43 x $4 = $21.72
Registered pension at 1st June, 1971 912.05
Add registered pension purchased by
increment of $4 21.72

933.77
31st March, 1993-Decrement from annual contribution due to

cessation of payment of contribution = $128.00

WIDOWS’ AND ORPHANS’ PENSION [IV – 159


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Quantity found from Table B:
Husband : aged 46 last birthday
Wife : aged 42 last birthday }2.21
Amount to be deducted from
registered pension

2.21 x $128 = $282.88

Registered pension at 1st February, 1975 933.77
Deduct registered pension due to cessation of
contribution of $128 282.88
$650.89

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

Rule II(a). Assume that the contributor’s last preceeding wife
was alive at 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 5th September, 1950,
died on 7th July, 1970, it would be assumed that the contributor
was, at the date of each of the those variations of the contribution,
married to wife who was born on the 5th September, 1950. The
calculations will then be identical with those given in the example
subjoined to Rule I(c).
(b) Variations of pension consequent on the re-marriage of the

contributor.
If the second or subsequent wife was, at the date of the

remarriage, of the same age last birthday as the last preceeding wife
would have been had she survived, the registered pension remains
the same.

Rule II(b). If the second or subsequent wife is younger or older
than the last preceeding wife would have been had she survived,
multiply the amount of the registered pension by the quantity found
from Table C corresponding to the age last birthday of the husband
at the date of re-marriage and the age last birthday which the last
preceeding 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 last birthday of the husband
and of the second or subsequent wife at the date of the re-marriage.

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

Example:
Assume particulars as in the example subjoined to Rule I(c).
First wife died on 7th July, 1970
Contributor re-married on 11th January, 1983
Contributor’s age last birthday at date of re-marriage 36
Second wife born on 30th April, 1955

Second and
Subsequent
Wife’s
Prospective
Pension.

IV – 160] WIDOWS’ AND ORPHANS’ PENSION




STATUTE LAW OF THE BAHAMAS [Original Service 2001]



Second Wife’s age last birthday at date of re-marriage 27
Age last birthday which the first wife would
have attained had she survived to the date of
the re-marriage 32

11th January, 1983-the second wife being younger than the first
wife would have been had she survived, the registered pension of
$933.77 (See example subjoined to Rule I(c) has to be recalculated.)

Quantity found from Table C:
Husband: aged 36 last birthday
Wife: aged 27 last birthday }3.79

Quantity found from Table A:
Husband: aged 36 last birthday
Wife: aged 27 last birthday }.234

Registered pension at = 3.79 x .234 x $933.77
11th January, 1983 = $828.12

(c) Variations of pension consequent on increments to, and
decrements from, the annual contribution while the
contributor is married to his second, or subsequent wife.
Rule II(c). Proceed as in Rule I(c).

B. CONTRIBUTOR WHO COMMENCED TO CONTRIBUTE
WHILE MARRIED

III. Where an officer began to contribute while married,
the wife at the date of commencement of contributions is to be
considered at the officers’s first wife, and no particulars are to
be recorded respecting any former wife unless there was issue of
pensionable age of such former wife (see C. Rule V).
(a) Pension in consideration of the annual contributions at the date

of commencement of contributions.
Rule III(a). Multiply the amount of the annual

contribution; by the quantity found from Table B corresponding
to the respective ages last birthday of the husband and wife at the
date of commencement of contributions.

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

Example:
Officer born on 2nd May, 1921
Officer married on 15th April, 1958
Officer commenced to contribute on 1st November, 1967
Annual contribution on 1st November, 1967 $137.00
Wife born on 4th February, 1931
Officer’s age last birthday on 1st November, 1967 40
Wife’s age last birthday on 1st November, 1967 36

First Wife’s
Prospective
Pension.

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Quantity found from Table B:
Husband : aged 40 last birthday
Wife : aged 36 last birthday }3.14

Registered pension in consideration of annual contribution at
commencement of contributions = 3.14 x $137.00 = $430.18

(b) Variations of pension consequent on increments to, and
decrements from the annual contribution while the
contributor is married to his wife.
Rule III(b). Proceed as in Rule I(c)
IV.(a) Variation of pension consequent on increments to, and

decrements from, the annual contribution while the contributor is a
widower.
Rule IV(a) Proceed as in Rule II(a).
(b) Variations of pension consequent on the re-marriage of the

contributor.
Rule IV(b). Proceed as in Rule II(b).
(c) Variations of pension consequent on increments to, and

decrements from, the annual contribution while the
contributor is married to his second or subsequent wife.

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

C. CONTRIBUTOR WHO COMMENCED TO CONTRIBUTE
WHILE A WIDOWER

V. So long as a contributor’s children by his first marriage are
eligible, for pension, a pension must be registered on their behalf. If
there are no such children, the widower should be treated as if he
were a bachelor.

Rule V. For the purpose of calculating the registered
pension of the children, assume that the deceased wife lived until
the date of commencement of contributions and died immediately
afterwards and proceed in accordance with Rule III(a) and (b).

VI. Rule VI. For the purpose of calculating the registered
pension of the wife assume that the deceased wife survived to the
date of commencement of contributions and died immediately
afterwards; then proceed in accordance with Rules applicable to the
case of officers who commenced to contribute while married (See
B).

Second and
subsequent
Wife’s
Prospective
Pension.

Prospective
Pension to
Children by his
first Marriage.

Second and
Subsequent
Wife’s
Prospective
Pension.

IV – 162] WIDOWS’ AND ORPHANS’ PENSION




STATUTE LAW OF THE BAHAMAS [Original Service 2001]

D. CONTRIBUTOR WITH TWO OR MORE BENEFICIARIES
Rule VII. Where there are children eligible for pension by

two or more deceased wives, or where there is a wife and also
children eligible for pension by one or more previous marriages the
pension of each beneficiary as found by the above Rules must be
divided by the total number of the beneficiaries then existing in
order to find the registered pension of the beneficiary.

E. TREATMENT OF VOLUNTARY LUMP SUM
CONTRIBUTIONS

Rule VIII(a). If the contributor is a bachelor or a widower
without children of a pensionable age, the lump sum contribution
should be accumulated as from the date of payments and treated in
accordance with Rule I(a).

Rule VIII(b). If the contributor is married or a widower
with children of a pensionable age, the amount of the lump sum
contribution should be multiplied by the quantity found from
Table A corresponding to the respective ages last birthday of the
husband and wife at the date of payment of the contribution. If
the contributor is a widower assume that the deceased wife lived
until the date of payment of the lump sum contribution and died
immediately afterwards.

F. CALCULATION OF QUANTITIES (OR TABULAR
RESULTS) FOR AGES NOT GIVEN IN THE TABLES

The wife’s age in the Tables is given at quinquennial intervals
only. Ages of husband and wives younger than the youngest or
older than the oldest in the Tables are to be dealt with as if identical
with the youngest and oldest respectively.

For the intermediate ages of wives, interpolate by exact fifths.
Examples:
To find the quantity in Table A corresponding to the ages of a

husband and wife aged respectively 27 and 26 last birthday.
The quantity for ages 27 and 25 given in Table A is .342
The quantity for ages 27 and 30 given in Table A is .394
The addition of five years to the age of the wife results,

therefore, in an addition of .052 to the quantity given in the Table
for ages 27 and 25.

An addition of one year to the age of the wife accordingly
results, by proportion in an addition of one fifth of .052 to the
quantity given in the Table for ages 27 and 25.

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One fifth of .052 = .010. This figure added to .342 gives .352.
.352 is, therefore, the required quantity corresponding to ages 27
and 26.

Similarly the quantity found from Table B corresponding to the
ages of a husband and wife aged respectively 39 and 38 last birthday
is three-fifths of .58 added to 3.27 which gives 3.62.

In the case of Table C, it must be noted that an addition to the
age of the wife results in a deduction from the quantity given in the
Table.

To find the quantity in Table C corresponding to the ages of a
husband and wife aged respectively 35 to 34 last birthday.

The quantity for ages 35 and 30 given in Table C is 3.81
The quantity for ages 35 and 35 given in Table C is 3.30
The addition of five years to the age of the wife results,

therefore, in a deduction of .51 from the quantity given in the Table
for ages 35 and 30.

An addition of four years to the age of the wife accordingly
results, by proportion, in a deduction of four-fifths of .51 from the
quantity given in the Table for ages 35 and 30.

Four-fifths of .51 = .41. This figure deducted from 3.81 leaves
3.40. 3.40 is, therefore, the required quantity corresponding to ages
35 and 34.

SCHEDULE E (Section 23)

INSTRUCTIONS FOR RECOMPUTING AND INCREASING
REGISTERED PENSIONS OF OFFICERS WHO WERE

CONTRIBUTORS ON THE 31ST OCTOBER, 1967, AND WHO
CONTINUED TO BE CONTRIBUTORS THEREAFTER

The pension as at the 31st October, 1967, (“the original
pension”), computed on the Tables and instructions in force on that
date and registered in respect of each married or widowed officer
who began to contribute before, and was still contributing on, the
1st day of November, 1967, shall be recompiled, and increased, as
follows:
(a) The original pension shall be divided into two parts:

X. the part purchased by contributors which fell due on or
before the 31st day of October, 1967; and

Y. the part purchased by contributions falling due on or after
the 1st day of November, 1967.

(b) Part Y shall be recomputed by applying to Table B the amount
of the annual contribution as at the 31st day of October, 1967.

NOTE (1).

IV – 164] WIDOWS’ AND ORPHANS’ PENSION




STATUTE LAW OF THE BAHAMAS [Original Service 2001]

(c) If Part Y so recomputed is greater than Part Y computed on
Tables A, B and C, in force on the 31st October, 1967 it shall be
added to Part X; otherwise the amount of the original pension
shall be retained.

(d) Each pension so recomputed shall, whether or not the amount
of the original pension is retained, be increased by the addition
of twenty per centum of the amount of Part X.
INSTRUCTIONS REGARDING THE CALCULATIONS

REFERRED TO IN NOTE (1) OF THIS SCHEDULE
To compute Part X and Part Y.

(a) Multiply the total annual contribution at 31st October, 1967
by the factor from the Table in Schedule B in force on the 31st
October, 1967 corresponding to the ages of the contributor
and his wife at 31st October, 1967. The product gives a figure
referred to as Part Y (old).

(b) Multiply the total contribution as in (a) by the factor from
the Table in Schedule B corresponding to the ages of the
contributor and his wife at 1st November, 1967. The product
gives a figure referred to as Part Y (new).

(c) If Part Y (old) is less than Part Y (new), add the difference to
the pension already registered in the name of the contributor as
at 31st October, 1967.
If Part Y (old) is greater than Part Y (new), no adjustment is

made.
(d) Bonus. Deduct Part Y (old) from the original pension. The

result is Part X. Add twenty per centum of Part X to the total
in (c) above. The result is the Total Revised Pension as at 1st
November, 1967.

EXAMPLE:
(1) Officer’s age at last birthday before 31st October, 1967 40
(2) Wife’s age at last birthday before 31st October, 1967 36
(3) The original pension on 31st October, 1967 1,031.19
(4) Annual contribution on 31st October, 1967 $ 230.00
(5) Factor from Table B in force 31st October, 1967 2.66
(6) Part Y (old) being product of (4) and (5) $ 611.00
(7) Factor from Table B in force 1st November, 1967 3.14
(8) Part Y (new) being product of (4) and (7) $ 722.20
(9) Addition attribute to recomputation of Part Y,

namely (8) and (6) $ 110.40

NOTE (2).

WIDOWS’ AND ORPHANS’ PENSION [IV – 165


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(10) Part X being the original pension on 31st October,
1967 minus Part Y (old) on Former Table B, namely
(3) minus (6) $ 419.39

(11) Bonus being 20% of Part X, namely (10) 83.88
(12) Total revised registered pension is the original

pension on 31st October, 1967 namely (3), plus
addition from recomputation of Part Y, namely (9)
plus bonus namely (11) $1,225.47

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