Survivor Benefits

In the event of your death, the SFERS Pension Plan provides for a continuation allowance to your qualified survivor and a lump sum benefit to your designated beneficiary or beneficiaries.

Continuation Allowance

Under the Miscellaneous Plan, if you die while retired, SFERS will pay a continuation allowance to a qualified survivor equal to 50% of the monthly service retirement benefit you were receiving at the time of your death.

A qualified spouse/domestic partner must also be designated as your sole primary beneficiary to receive a continuation allowance upon your death.

A Qualified Survivor is:

1.   Eligible spouse/domestic partner; or
2.   Unmarried child under age 18

A continuation allowance may be paid to your qualified survivor, but only for the period that the survivor remains qualified (e.g. the earlier of age 18 or date of marriage for an unmarried child under age 18, or until remarriage for a spouse).

If you do not have a qualified survivor, then a lump sum benefit will be paid to your designated beneficiary or beneficiaries.

Select the appropriate link for a definition of “Qualified Survivor”: Qualified Survivor Old Plan or Qualified Survivor New Plans.

Lump Sum Benefit

SFERS will pay a lump sum benefit to your designated beneficiary equal to $100 for each year of credited service you have at retirement, up to a maximum of $3,000.

A Beneficiary is:

A person or persons, a trust, or an estate designated to receive a lump sum benefit upon your death.  

If you do not have a qualified survivor and you do not designate a beneficiary, a lump sum benefit will be paid to your estate. 

Please refer to “Death after Retirement” in your “Summary of Key Plan Provisions” for a detailed description of survivor benefits.

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