Death After Retirement
- If you are a spouse or beneficiary of a recently deceased member of the Teachers' Retirement System, please email the Death Benefits Unit or call (800) 821-2251 to get information on benefits that may be available to you.
- If you are a retired member and have selected the 66-2/3% Joint and Survivor Option and your spouse has recently deceased, please contact our office at the telephone number above.
As a member of the Teachers' Retirement System your spouse at retirement is eligible for continuing survivor benefits if you have selected one of the joint and survivor options at application for retirement benefits. A continuing survivor benefit must be elected to continue system-paid health benefits for your spouse in the case of your death.
75% Joint and Survivor Option
Your benefit is actuarially reduced from what it would be normally. After your death, your spouse would receive a lifetime, monthly benefit equal to 75% of your reduced benefit. If your spouse dies first, your benefit does not change.
50% Joint and Survivor Option
Your benefit is actuarially reduced from what it would be normally. After your death, your spouse would receive a lifetime monthly benefit equal to 50% of your reduced benefit. If your spouse dies first, your benefit does not change.
66-2/3% Last Survivor Option
Your benefit is actuarially reduced from what it would be normally. However, if your spouse dies first, your benefit would be reduced by an additional 33-1/3%. If you die first, your spouse would receive 66-2/3% of your reduced benefit.
1% Supplemental Contributions
When members have made the required 1% supplemental contributions, benefits may be payable to their spouses, dependent children, or former spouses if provided for in a qualified domestic relations order (QDRO). There are two payout options under the 1% Supplemental:
A monthly survivor's allowance is payable if a deceased member has dependent children and meets eligibility requirements. The survivor's allowance is based on the member's annual base salary immediately before the member's death, retirement, or disability. The monthly allowance is calculated by multiplying that salary by the percentage that applies and dividing that number by 12 months. The survivor's allowance is 10% of salary for each dependent child up to a maximum of four children (40%). The allowance ceases when a child is no longer eligible.
A monthly spouse's pension is payable to the surviving spouse if there are no dependent children and the eligibility requirements have been satisfied. The spouse's pension is equal to: 50% of the member's retirement benefit, including post retirement pension adjustments (PRPAs), at the time of the retired member's death; or 50% of the normal retirement benefit that would have been payable had the member been retired.