- Eligibility and Participation
- How Your Service Counts
- Non-Signatory Employment
- Normal Retirement Pension
- Early Retirement Pension
- Pro-Rata Pension
- How Benefits are Paid
- Full Disability Benefit
- Requesting Pension Estimates and Applying for Benefits
- If You Die Before You Commence Your Retirement Benefits
- Suspension of Benefits
- 401(h) Supplemental Insurance Subsidy
- Claims and Appeals Procedures
- Other Information You Should Know
- Your Rights Under the Employee Retirement Income Security Act of 1974
- Plan Facts
- Board of Trustees
- Merged Pension Funds
- Glossary of Key Terms
- Eligibility and Participation
- How Your Service Counts
- Non-Signatory Employment
- Normal Retirement Pension
- Early Retirement Pension
- Pro-Rata Pension
- How Benefits are Paid
- Full Disability Benefit
- Requesting Pension Estimates and Applying for Benefits
- If You Die Before You Commence Your Retirement Benefits
- Suspension of Benefits
- 401(h) Supplemental Insurance Subsidy
- Claims and Appeals Procedures
- Other Information You Should Know
- Your Rights Under the Employee Retirement Income Security Act of 1974
- Plan Facts
- Board of Trustees
- Merged Pension Funds
- Glossary of Key Terms
If You Die Before You Commence Your Retirement Benefits
The Plan provides for benefits in the event of your death before you begin receiving benefits. The benefit payable depends on whether you are married or single at the time of your death.
Married Participants
If you are married on the date of your death and die before retirement, your spouse is entitled to a Pre-Retirement Surviving Spouse Annuity equal to 50% of the amount you would have received under the 50% Joint and Survivor Annuity option had you retired on the day before your death.
Unmarried Participants
If you are not married on your date of death and you die before you retire (or start receiving a Full Disability Benefit), a Lump Sum Death Benefit of $5,000 may be payable to your family.
You do not need to designate a Beneficiary for the Lump Sum Death Benefit. In the event of your death, it you are eligible for the Lump Sum Death Benefit, the payment will be paid in the following order:
- To your children (to share equally), and in the event you have no children,
- To your parents (to share equally), and in the event you have no parents,
- To your siblings (to share equally).
If none of these persons survive you, no benefit is payable.
This page includes only highlights of the Plan’s rules for payment of benefits if you die before you start receiving retirement benefits. See the Details Tab for more information.