PERS Death Benefits
- Nonoccupational death
- Occupational death
- Death benefit payments
- Death Benefits for Retired Members
- Beneficiary designation
- Beneficiary Designation for Active, Deferred, and Retired Members [PDF 110K]
- Understanding PERS Death Benefits brochure (pers026) [PDF 98K]
- Survivor Health Benefits - Defined Benefit Plan
Nonoccupational and occupational death benefits provide a benefit payment to survivors when a PERS member dies. Your beneficiary designation may determine who receives your death benefit.
When a member dies from nonoccupational causes before retiring, the spouse or other eligible beneficiary is entitled to the death benefits described below.
Nonvested Member Death Benefits
- For members with less than one year of PERS service the death benefit is the balance of the employee contribution account. This includes:
- Mandatory contributions, voluntary contributions, indebtedness principal and interest payments, and interest credited to the account
- For members with at least one year of PERS service, but not yet vested, the death benefit is:
- The balance of the employee contribution account. This includes the same as listed above, and
- A lump-sum death benefit of $1,000 plus $100 multiplied by the years of credited service.
Vested Member Death Benefits
- Spouse Beneficiary
- The nonvested member death benefits for members with at least one year of service; or
- A monthly 50% joint and survivor benefit.
- The 50% joint and survivor benefit is based on the member’s average monthly compensation and years of PERS credited service at the time of death.
- A spouse must have been married to the member for at least one year to be eligible to receive the 50% joint and survivor benefit. If the death is accidental or occupational, the one-year requirement does not apply.
- Other Beneficiary
- If someone other than the spouse is the designated beneficiary, that person will receive the nonvested member death benefits for members with at least one year of service.
When a member dies from job-related causes before retirement or while receiving occupational disability benefits, the spouse or other eligible beneficiary is entitled to a death benefit. The member does not have to be vested to qualify for occupational death benefits.
The spouse is automatically the designated beneficiary if the spouse was married to the member during part of the member’s employment and a waiver of benefits was not received by the Division. If there is no surviving spouse but the member has dependent children, the monthly survivor’s pension will be divided equally among those children.
The monthly survivor’s pension is equal to 40% of the member’s gross salary at the time of death or end of employment due to occupational disability.
For a peace officer or fire fighter, the monthly survivor’s pension is the greater of 50% of the gross salary or 75% of the normal retirement benefit they would have earned when they retired.
At the member’s normal retirement date (by age or service) the benefit changes. The benefit will then be paid as if the member had worked until normal retirement.
Exception – The pension amount payable to survivors of members who first entered the PERS before July 1, 1976 will depend on the date the member first entered the PERS as well as whether the position was classified as “peace officer or firefighter” or “all others.” These survivors will be allowed to choose to receive benefits under the current law or old law.
Death Benefit Payments
Benefits accrue from the first day of the month following the member’s death and are payable at the end of the month.
For a nonoccupational death, monthly death benefits cease when the spouse dies.
For an occupational death, benefits stop when there is no longer a surviving spouse or eligible dependent child(ren).
Death Benefits for Retired Members
When a member dies after retiring, the beneficiary is entitled to the benefit check for the month in which the member dies, if not already paid to the member. However, a check payable to a deceased member must be returned to the Division and reissued in the beneficiary’s name. It is illegal to cash a deceased member’s check.
If the member selected a joint and survivor option at retirement, the spouse will start receiving that benefit.
If the member did not select a joint and survivor option, the beneficiary will receive the balance remaining in the employee contribution account, if any.
Remember - Payment of PERS death benefits is based on the last designation received by the PERS. The PERS requires an up-to-date copy of one of the following forms to be on file:
If no beneficiary is designated, or the beneficiary is deceased, the benefits will be paid:
- To the surviving spouse or, if there is none;
- In equal parts to the surviving children or, if there are none;
- In equal parts to the surviving parents or, if there are none;
- To the members estate.