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Topics below:
Spouse Lifetime Pension
Four-Year Certain Death Benefit
Child Survivor Benefit
Optional Lump Sum Death Benefit
Recent Coverage Rule
With Recent Coverage
SPOUSE LIFETIME PENSION
Your surviving spouse receives this lifetime benefit if you retire with recent coverage and choose an employee and spouse pension. This monthly benefit is payable to the person you are married to when you retire, starting the first of the month following your death. (Your Plan also has a "Pop-Up" feature to provide you with an increased monthly pension should your spouse die first.)
If you die first, your surviving spouse receives 66 2/3% of the employee and spouse pension you were receiving. If you choose the benefit adjustment option, your spouse’s benefit is calculated as if you chose the employee and spouse pension without the benefit adjustment option. 
FOUR-YEAR CERTAIN DEATH BENEFIT
Your Plan beneficiary receives this benefit if you retire with recent coverage and choose a life only pension. The benefit is payable in a lump sum.
Your beneficiary receives the difference between the total benefit payments you actually received before your death and 48 times the monthly benefit you would have received under the life only pension without the benefit adjustment option.
If you received more than this amount before your death, the benefit is not payable to your beneficiary.
CHILD SURVIVOR BENEFIT
Your eligible children receive this monthly benefit following your death if you meet all of the requirements shown here. The benefit is payable until your youngest child reaches age 18:
- You must have had recent coverage at retirement.
- You must be under age 65.
- You must have worked at least 3,000 covered hours.
- Your survivor benefit rate must be more than 21¢.
- Your children must be receiving Social Security survivor child benefits because of your death.
- If any of your children become disabled before age 18, special eligibility rules apply.
OPTIONAL LUMP SUM DEATH BENEFIT
Your Plan beneficiary receives this benefit only if you choose the optional lump sum death benefit when you retire. This benefit is payable in a lump sum.
Your beneficiary receives an amount equal to 12 times the monthly benefit you would have received if you chose the life only pension without the benefit adjustment option. If you choose the optional lump sum death benefit, your monthly benefit (and any benefits based on it) is reduced by a small percentage to provide for this death benefit.
Without Recent Coverage
SPOUSE LIFETIME PENSION
Your surviving spouse receives this lifetime benefit if you retire without recent coverage and choose an employee and spouse pension. This monthly benefit is payable to the person you are married to when you retire, starting the first of the month following your death. (Your Plan also has a "Pop-Up" feature to provide you with an increased monthly pension should your spouse die first.)
If you die first, your spouse receives 50% of the employee and spouse pension you were receiving. If you choose the benefit adjustment option, your spouse’s benefit is calculated as if you chose the employee and spouse pension without the benefit adjustment option.
OPTIONAL LUMP SUM DEATH BENEFIT
Your Plan beneficiary receives this benefit only if you choose the optional lump sum death benefit when you retired. This benefit is payable in a lump sum.
Your beneficiary receives an amount equal to 12 times the monthly benefit you would have received if you chose the life only pension without the benefit adjustment option. If you choose the optional lump sum death benefit, your monthly benefit (and any benefits based on it) is reduced by a small percentage to provide for this death benefit.
Recent Coverage Rule
In general, you have recent coverage at retirement if you worked at least 1,500 covered hours during the 60-month period ending just before your pension effective date. If you have recent coverage when you complete 25 years of contributory service, it's yours for good. You have "locked in" your recent coverage protection.
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