How lost family support is valued
The person who paid the bills has died and you want to know how that loss is valued.
Loss of support is valued by looking at what the deceased actually earned, then working out what the family would reasonably have received from it, not by any fixed table.[1] The court deducts what the deceased would have spent on their own living costs, and applies a multiplier to the remainder. How a dependency claim works covers the wider claim this calculation sits within.
The three steps a court generally follows
- Estimate the deceased’s income at the time of death.
- Deduct a reasonable amount for what the deceased would have spent on themselves.[2]
- Apply a multiplier reflecting the years of support that were lost.
The “one-third” figure people often mention
A deduction of around a third for the deceased’s own living expenses is commonly applied in practice, though this is described as a practice rather than a strict rule the court must follow in every case.[2] The actual deduction depends on the family’s real circumstances.
What does not reduce the family’s award
Money already received through insurance, EPF (Employees Provident Fund) or a pension is generally not deducted from a dependency award.[3] Families should not hold back from claiming because of it.
Why no figure appears on this page
The deceased’s income, their living costs and the multiplier all depend on the family. A number given without that evidence would not reflect your situation.
What to do next
Gather payslips, bank records, EPF statements or business records showing what the deceased earned, and how that income supported the family. Who can claim after a death sets out which family members are covered. Making a claim after a fatal accident covers the wider process. What the estate itself can recover is separate, at estate versus dependency.
An independent lawyer can act for the family in the claim. Send the accident date, where it happened, who relied on the person who died, and the police report status.
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Common questions
Is there a fixed formula that applies to every family?
No single formula applies the same way to every family. The court estimates the deceased's income, deducts their own living costs, and applies a multiplier, but each of these steps depends on the specific facts of your family.
Why is a deduction made for the deceased's own living costs?
The claim compensates for support the family actually lost, not the deceased's full income, since some of that income would have gone toward the deceased's own personal expenses rather than the family.
Will money we already received from insurance reduce this claim?
Generally no. Sums received under insurance, EPF (Employees Provident Fund) or a pension are not deducted from a dependency award, so receiving them earlier does not reduce what the family can claim afterward.
Does this calculation include the bereavement sum as well?
No, the bereavement sum is a separate, fixed statutory amount added on top of this calculation, rather than part of the loss of support figure. The bereavement award explains that separately.
Sources
- Thomas Philip, on Civil Law Act 1956, s.7 (accessed 2026-09-22)
- Thomas Philip, on Civil Law Act 1956, s.7 (accessed 2026-09-22)
- Thomas Philip, on Civil Law Act 1956, s.7 (accessed 2026-09-22)
Need a lawyer to handle your injury claim?
For people seeking legal representation. For general information, please use our guides and tools.