Death Before Retirement
Less Than 5 Years of Service (Closed Plan Only): If you have at least 3, but less than 5, years of creditable service and die before retirement, the spouse to whom you are married on the date of your death, or your eligible surviving children under age 21, will receive a total monthly payment equal to 25% of your base benefit calculated as if you had retired on the date of your death. Benefits continue throughout the lifetime of the eligible spouse. Benefits payable to eligible surviving children under age 21 will be divided equally among the surviving children.
Vested: If you are vested and die before retirement, the spouse to whom you are married on the date of your death is eligible to receive survivor benefits. The monthly benefit will be paid for the spouse’s lifetime and will be based on the benefit you have accrued as of your date of death and calculated according to the Joint & 100% Survivor Option.
If there is no eligible surviving spouse, or the spouse is deceased, a total of 80% of your monthly base benefit, in equal shares, will be paid to your eligible surviving children under age 21 (unless the child is totally incapacitated). If a child is under 18 years of age, benefits will be payable to the surviving parent as natural guardian of such child (if such parent has custody or assumes custody of the child), or to the legal guardian of the child, until attaining age 18; thereafter, the benefit is paid to the child until age 21.
Duty-Related Death: If you die while actively employed and your death is determined to be duty-related by the Board of Trustees, the spouse to whom you are married on the date of your death, or your eligible surviving children under age 21, will receive a minimum survivor benefit equal to 50% of your final average pay. In the event of a duty-related death, there is no minimum service requirement.