Loss of Dependency Calculator
Loss of Dependency Estimate
Annual Financial Dependency-
Working Years Remaining-
Ogden Multiplier (approx.)-
Financial Dependency Lump Sum-
Services Dependency-
Total Loss of Dependency-
Ogden Multiplier Reference (Discount Rate -0.25%)
| Age at Trial | Multiplier to 67 | Multiplier to 70 | Lifetime |
|---|---|---|---|
| 30 | 33.8 | 36.1 | 57.2 |
| 40 | 25.3 | 27.5 | 47.7 |
| 45 | 20.8 | 23.0 | 43.1 |
| 50 | 16.3 | 18.4 | 38.6 |
| 55 | 11.6 | 13.7 | 33.9 |
| 60 | 6.9 | 8.9 | 29.2 |
These are approximate multipliers from the 8th edition Ogden tables. Actual multipliers depend on specific circumstances and actuarial adjustments.
Key Facts
Discount Rate
-0.25%
Ogden Edition
8th
Claim Window
3 Years
Dependency (couple)
66%
With Children
75%
Tax Status
Tax-Free
How to Use This Calculator
1
Enter deceased's income
Their net annual income at the time of death.
2
Enter ages
The claimant's current age and deceased's age at death affect the multiplier.
3
Select dependency rate
Standard rates: 66% for a couple, 75% with children.
4
Enter retirement age
The age the deceased would have been expected to retire.
5
Review the calculation
See the multiplier, annual dependency, and lump sum total.
Frequently Asked Questions
How is loss of dependency calculated?
The annual financial dependency (income x dependency rate) is multiplied by an Ogden multiplier that reflects the expected years of future dependency. Additional claims for loss of services (childcare, housework) are calculated separately.
What is the discount rate?
The discount rate (currently -0.25% in England and Wales) reflects the expected return on invested damages. A negative rate means the lump sum is higher because investment returns are expected to be low.
What dependency rate should I use?
Courts typically apply 66% for a couple without children (one-third deducted for the deceased's own expenses) and 75% for a family with children. These are guidelines, not fixed rules.
Can children claim?
Yes. Children can claim for loss of financial support until they would have become independent (typically 18 or 21 if in higher education). They can also claim for loss of parental services such as care, guidance and nurture.
What about loss of pension?
Loss of the deceased's future pension contributions and the pension income the claimant would have received can be claimed separately. This can be a significant additional head of damage.
Are damages taxable?
No. Fatal accident damages, including loss of dependency and the bereavement award, are exempt from income tax and capital gains tax.
Official Sources & References
Data verified against official UK government sources. Last checked April 2026.