Your dependents or estate may be entitled to a lump-sum death benefit in the event of your death, if at the time of death you were
- active, disabled, or under transitional participation coverage; and
- enrolled in the Death and Disability Plan.
The benefit does not apply to retired members. (Exceptions exist within the 90-day window of no-cost death coverage for those members enrolled in Pastor's Participation.)
Calculating Your Benefit
The lump-sum death benefit is equal to the greater of
- your annual effective salary (subject to the maximum salary limit of $100,000); or
- the applicable median salary (prorated for part-time employment).
This amount is called the “death benefit basis.” The death benefit basis is then multiplied by a percentage based on your age. To find the percentage that corresponds with your age, refer to the chart in the Death Benefits benefits overview or booklet.
Receiving Payment of the Benefit
The lump-sum death benefit is paid in the following order to your
- spouse, provided the marriage or entry into the qualified domestic partnership occurred at least one year before your death or any disability benefits began;
- dependent children under age 21 who are not in a marriage or qualified domestic partnership, and permanently disabled children age 21 or older who are not in a marriage or qualified domestic partnership and depended on you for support for 12 months before and on the date of death;
- dependent parents;
- dependent siblings under age 21 who are not in a marriage or qualified domestic partnership, and permanently disabled siblings age 21 or older who are not in a marriage or qualified domestic partnership and depended on you for support for 12 months before and on the date of death;
- estate, when there are no eligible dependents. The benefit equals 100 percent of the death benefit basis.