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Topics below:
Recent Coverage Rule
With Recent Coverage
SPOUSE LIFETIME PENSION
Your surviving spouse receives this lifetime benefit if you are a married vested participant with recent coverage and die before retirement. This monthly benefit starts the first of the month following your death.
Your surviving spouse receives 66 2/3% of the employee and spouse pension you would have received if you retired on the day before your death. If you die before you are eligible to retire, your Plan calculates this benefit as if you were age 55 on your date of death.
This benefit is calculated under the Rule of 84 or PEER if you were eligible to choose either of these early retirement benefits when you died. 
48-MONTH DEATH BENEFIT
Your Plan beneficiary receives this benefit if you are an unmarried vested participant with recent coverage and die before retirement. The benefit is payable in a lump sum.
Your beneficiary receives an amount equal to 48 times the monthly life only pension you would have received if you retired the day before your death. If you die before you are eligible to retire, your Plan calculates this benefit as if you were age 55 on your date of death.
This benefit is calculated under the Rule of 84 or PEER if you were eligible to choose either of these early retirement benefits when you died.
LUMP SUM DEATH BENEFIT
Your Plan beneficiary receives this benefit if you are a vested participant and die before retirement. The benefit is payable in a lump sum.
Your beneficiary receives an amount equal to 50% of the total basic employer contributions paid into the Plan on your behalf, up to a maximum of $10,000.
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 recent coverage on your date of death. (You don’t need to be vested for your children to qualify for this benefit.)
- 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.
Without Recent Coverage
SPOUSE LIFETIME PENSION
Your surviving spouse receives this lifetime benefit if you are a married vested participant without recent coverage and die before retirement. This monthly benefit starts the first of the month following your death. However, if you die before age 55, this benefit does not start until the first of the month following the date you would have turned 55.
Your surviving spouse receives 50% of the employee and spouse pension you would have received if you retired the day before your death. If you die before age 55, your Plan calculates this benefit as if you survived to age 55 without any further Plan coverage after your death.
LUMP SUM DEATH BENEFIT
Your Plan beneficiary receives this benefit if you are a vested participant without recent coverage and die before retirement. The benefit is payable in a lump sum.
Your beneficiary receives an amount equal to 50% of the total basic employer contributions paid into the Plan on your behalf, up to a maximum of $10,000.
Recent Coverage Rule
In general, you have recent coverage if you worked at least 1,500 covered hours during the 60-month period ending with the month of your death and you die before retirement. 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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