How to Claim Widow Pension for Senior Citizens in Pakistan (Complete Guide)

Losing a husband is emotionally and financially difficult. In Pakistan, the government provides a widow pension (also called family pension) to support senior citizen widows after the death of their spouse. This pension helps cover daily living expenses and provides financial security.

If your husband was a government employee or pensioner, you can claim family pension through the relevant department. For private-sector employees, the claim is usually processed through EOBI. This guide explains the full procedure in simple English so that senior citizens and their families can understand easily.

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Who Can Claim Widow Pension in Pakistan

Widow pension in Pakistan is given to the lawful wife of a deceased government employee or pensioner. The pension is usually paid for life or until remarriage.

Eligible applicants include:

Widow of a retired government employee
Widow of a serving government employee who died in service
Widow of a pensioner receiving monthly pension
In private sector cases, widow of an EOBI-registered worker

If there are multiple widows (in legal cases), the pension may be divided according to government rules.

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Required Documents for Widow Pension Claim

To claim widow pension for senior citizens in Pakistan, certain documents must be submitted. Make sure all documents are original or properly attested.

Important documents include:

Original NADRA death certificate
Copy of widow’s CNIC
Copy of deceased husband’s CNIC
Lawful widow certificate from union council
No remarriage certificate
List of family members with dates of birth
Last pay slip or pension book (if available)
Completed Revised CSR-25 Family Pension Form

Having complete documents helps avoid delays in processing.

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Step-by-Step Process to Claim Widow Pension

The procedure is simple but requires careful submission of papers.

Follow these steps:

Collect all required documents
Get affidavits attested from notary public if required
Open a separate single pension bank account
Fill out the pension claim form correctly
Submit documents to the deceased spouse’s department
Department verifies service record
Pension approval is issued after verification

If the deceased worked in a federal department, the case may be processed through Accountant General Pakistan Revenues (AGPR).

Official information can be found at:
https://www.agpr.gov.pk/

Bank Account and Verification Process

Opening a proper pension bank account is very important. The pension is transferred only to a single, dedicated account.

Bank requirements include:

Opening a single pension account (not joint)
Submitting DCS option form
Providing CNIC copies
Biometric verification at bank
Keeping account active for monthly payments

After bank verification, the department sends pension payment orders to the bank.

Life Certificate Requirement for Widow Pension

To continue receiving pension, the widow must prove she is alive. This is done through a life certificate.

Important points:

Life certificate must be submitted every March
Another certificate must be submitted every September
It can be verified through the bank
Biometric verification may be required
Failure to submit may stop pension temporarily

This step ensures that pension payments continue without interruption.

Widow Pension for Private Sector (EOBI Cases)

If the deceased husband worked in the private sector and was registered with EOBI, the widow must apply through the Employees’ Old-Age Benefits Institution (EOBI).

In EOBI cases:

Visit the nearest EOBI office
Submit death certificate and CNIC copies
Provide marriage proof
Complete EOBI pension claim form
Wait for verification and approval

The amount depends on the husband’s contribution record.

Conclusion

Claiming widow pension for senior citizens in Pakistan is a legal right for eligible widows. The process requires proper documents, bank account setup, and submission to the relevant department. Government employees’ cases are processed through their departments or AGPR, while private-sector cases are handled by EOBI. By carefully completing the documentation and submitting life certificates regularly, widows can ensure continuous pension payments for financial support.