You have a surviving spouse and eligible child

If you pass away before receiving 5 years (60 months) of pension payments

Your surviving spouse's death benefit:

  • Your surviving spouse will receive 100% of your earned monthly pension (adjusted for the bridge benefit, if applicable) minus your eligible child’s death benefit as described below, for the remainder of the 5-year period after your retirement.
     
  • When the 5-year period ends, your surviving spouse will receive 66 2/3% of your earned monthly pension (adjusted for the bridge benefit, if applicable) for their lifetime.
     

Your eligible child's death benefit:

  • Each eligible child will receive 10% of your earned monthly pension (adjusted for the bridge benefit, if applicable) to a maximum total of 33.33%, divided equally if there are more than 3 eligible children.
     
  • The death benefit is payable until they are no longer considered eligible.

Notes:

  • If within the 5-year period your eligible child is no longer eligible, your surviving spouse’s death benefit increases during that period by the amount your eligible child was receiving.
     
  • If your surviving spouse passes away and there is at least one eligible child in receipt of a death benefit, their pension increases to 66 2/3% of your earned monthly pension (adjusted for the bridge benefit, if applicable) until they are no longer considered eligible. The death benefit will be divided equally if there is more than one eligible child.

 

If you pass away after receiving 5 years (60 months) of pension payments

Your surviving spouse's death benefit:

  • Your surviving spouse will receive 66 2/3% of your earned monthly pension (adjusted for the bridge benefit, if applicable) for their lifetime.
     

Your eligible child's death benefit:

  • Each eligible child will receive 10% of your earned monthly pension (adjusted for the bridge benefit, if applicable) to a maximum total of 33.33%, divided equally if there are more than 3 eligible children.
     
  • The death benefit is payable until they are no longer considered eligible.

Note:
If your surviving spouse passes away and there is at least one eligible child in receipt of a death benefit, their pension increases to 66 2/3% of your earned monthly pension (adjusted for the bridge benefit, if applicable) until they are no longer considered eligible. The death benefit will be divided equally if there is more than one eligible child.

If you pass away before receiving 5 years (60 months) of pension payments

Your surviving spouse's death benefit:

  • Your surviving spouse will receive 100% of your earned monthly pension (adjusted for the bridge benefit, if applicable) minus your eligible child’s death benefit as described below, for the remainder of the 5-year period after your retirement.
     
  • When the 5-year period ends, your surviving spouse will receive 60% of your earned monthly pension (adjusted for the bridge benefit, if applicable) for their lifetime.
     

Your eligible child's death benefit:

  • Each eligible child will receive 10% of your earned monthly pension (adjusted for the bridge benefit, if applicable) to a maximum total of 40%, divided equally if there are more than 4 eligible children.
     
  • The death benefit is payable until they are no longer considered eligible.

Notes:

  • If within the 5-year period your eligible child is no longer eligible, your surviving spouse’s death benefit increases during that period by the amount your eligible child was receiving.
     
  • If your surviving spouse passes away and there is at least one eligible child in receipt of a death benefit, their pension increases to 60% of your earned monthly pension (adjusted for the bridge benefit, if applicable) until they are no longer considered eligible. The death benefit will be divided equally if there is more than one eligible child.

 

If you pass away after receiving 5 years (60 months) of pension payments

Your surviving spouse's death benefit:

  • Your surviving spouse will receive 60% of your earned monthly pension (adjusted for the bridge benefit, if applicable) for their lifetime.
     

Your eligible child's death benefit:

  • Each eligible child will receive 10% of your earned monthly pension (adjusted for the bridge benefit, if applicable) to a maximum total of 40%, divided equally if there are more than 4 eligible children.
     
  • The death benefit is payable until they are no longer considered eligible.

Note:
If your surviving spouse passes away and there is at least one eligible child in receipt of a death benefit, their pension increases to 60% of your earned monthly pension (adjusted for the bridge benefit, if applicable) until they are no longer considered eligible. The death benefit will be divided equally if there is more than one eligible child.