The Plan will provide the following survivor benefits to the spouse and/or dependents of a vested member at the time of their passing:
| Member's Survivors | Benefit Entitlement | Frequency / Duration |
|---|---|---|
| Spouse Only | 60% of member's pension entitlement | Payable monthly for spouse's lifetime |
| Spouse and Dependents |
60% of member's pension entitlement plus 1/6 of the spouse's entitlement is payable equally to a maximum of 4 dependents |
Payable monthly to spouse for spouse's lifetime
Payable monthly to dependents until deemed non-dependent |
| Dependents Only |
The spouse's entitlement is payable equally to dependents plus 1/6 of the spouse's entitlement is payable equally to a maximum of 4 dependents |
Payable monthly to dependents until deemed non-dependent |
| None | Refund of contributions (plus interest) less any pension benefits received | Lump sum paid to member's estate |
If the member is not vested then his/her contributions plus interest are refunded to the member's spouse, and if no spouse, then to the member's estate.
A spouse is a person who is:
- legally married to a Member;
- living in a common-law partnership with a Member for at least three years, evidenced by tax returns;
- living in a common-law partnership with a Member with a child of the relationship by birth or adoption.
A dependent is a child who is:
- under the age of 18;
- under the age of 25 and is enrolled full-time at an institution of post-secondary education;
- 18 or older who is dependent on the Member by reason of mental or physical infirmity.