For Your Survivors

BEFORE RETIREMENT DEATH BENEFITS

Spouse Lifetime Pension
Lump Sum Death Benefit
48-Month Death Benefit
Child Survivor Benefit

AFTER RETIREMENT DEATH BENEFITS

Spouse Lifetime Pension
Optional Lump Sum Death Benefit
Four-Year Certain Death Benefit
Child Survivor Benefit

RECENT COVERAGE RULES

Before Retirement Death Benefits

Spouse Lifetime Pension
Eligibility
  • Vested
  • Married
Payment

Monthly benefit payable to your spouse for life

Benefit Amount

If you have recent coverage at death:

  • Spouse benefit is 66 2/3% of the benefit you would receive under the employee and spouse pension.
  • Effective immediately upon your death.

If you do not have recent coverage at death:

  • Spouse benefit is 50% of the benefit you would receive under the employee and spouse pension.
  • Not effective before the date you would be age 55. Page Top link
Lump Sum Death Benefit
Eligibility

Vested

Payment

Payable to your Plan beneficiary in a single sum

Benefit Amount

50% of the total basic contributions paid on your behalf, maximum $10,000. Page Top link

48-Month Death Benefit
Eligibility
  • Vested
  • Not married
  • Recent coverage at death
Payment

Payable to your Plan beneficiary in a single sum

Benefit Amount

48 times the monthly benefit you would receive under the life only pension. Page Top link

Child Survivor Benefit
Eligibility
  • Under age 65
  • At least 3,000 covered hours
  • Survivor benefit rate more than 21¢
  • Recent coverage at retirement
  • Child under age 18 and receiving Social Security child benefit
Payment

Payable until youngest child reaches age 18

Benefit Amount

Benefit amount based on survivor benefit rate. Sample rates:

Rate

$0.28
$0.56
$0.77
$1.05
$2.03
$2.41 or more

Benefit

$125
$240
$326.25
$441.25
$843.75
$1000 maximum

Click here for more rates. Page Top link

After Retirement Death Benefits

Spouse Lifetime Pension
Eligibility

Retire and choose employee and spouse pension

Payment

Monthly benefit payable to your spouse for life

Benefit Amount

If you choose:
Regular employee and spouse pension

  • Spouse benefit is 66 2/3% — with recent coverage
  • Spouse benefit is 50% — without recent coverage

Regular employee and spouse pension

  • Spouse benefit is 75% Page Top link
Optional Lump Sum Death Benefit
Eligibility

Retire and choose optional lump sum death benefit

Payment

Payable to your Plan beneficiary in a single sum

Benefit Amount

12 times your benefit under the life only pension. Page Top link

Four-Year Certain Death Benefit
Eligibility
  • Retire and choose life-only pension
  • Recent coverage at retirement
Payment

Payable to your Plan beneficiary in a single sum

Benefit Amount

The difference between 48 times your life only pension minus the benefits you actually receive before your death. Page Top link

Child Survivor Benefit
Eligibility
  • Under age 65
  • At least 3,000 covered hours
  • Survivor benefit rate more than 21¢
  • Recent coverage at retirement
  • Child under age 18 and receiving Social Security child benefit
Payment

Payable until youngest child reaches age 18

Benefit Amount

Benefit amount based on survivor benefit rate. Sample rates:

Rate

$0.28
$0.56
$0.77
$1.05
$2.03
$2.41 or more

Benefit

$125
$240
$326.25
$441.25
$843.75
$1000 maximum

Click here for more rates. Page Top link

Recent Coverage if You Die Before Retirement

Here are the three ways you can satisfy the recent coverage requirement if you die before retirement.

Your Date of Death is Before Your Earliest Retirement Date
You have 1,500 covered hours in the 60-month period ending with the month of your death.

Your Date of Death is After Your Earliest Retirement Date
You have 1,500 covered hours in the 60-month period ending with the month that begins just before your earliest retirement date or if later, your date of death.

25 Years of Contributory Service—Lock-In Rule
You have 1,500 covered hours in any 60-month period ending after you complete 25 years of contributory service. Page Top link 

Click here to learn more about the recent coverage rules.

Click here for more information about the Plan's Survivor Benefits. Page Top link