Pension Fund

  > Death Benefit

The Plan provides a death benefit for your beneficiary if you die before you retire and you are an active participant with a minimum of 3 pension credits and worked one-tenth of a pension credit within a 36-month period prior to the date of your death. If you are married for at least one year, your spouse may elect one of the following:

  • a 75% participant spouse death benefit— a lifetime pension benefit equal to 75% of the amount you would have received if you retired on the day before your death and elected the 75% Participant-Spouse Pension; or
  • a ten-year pension death benefit—a benefit calculated by multiplying your unreduced monthly pension amount by 98%. This benefit is payable for 10 years only—it is not a lifetime benefit.


If you are single or not married for one full year at the time of your death, your beneficiary is eligible to receive the ten-year pension death benefit. If you are vested, other options may apply if your beneficiary is not eligible for these death benefits. Refer to your Pension Fund SPD for more information.