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Main -> Superannuation Plan -> Survivor Benefits
-> Death Before Retirement
A. Death Before Retirement
(a) Death before 8 Years of Eligibility Service
If a teacher dies in service before 8 years of eligibility service has been completed, a death benefit is payable to the teacher's beneficiary equal to the teacher's contributions plus interest; or the surviving spouse and/or dependents may elect a deferred allowance commencing on the date the teacher would have been entitled to receive an allowance. Interest is payable for one year only from date of death
(b) Death after 8 Years of Eligibility Service
(i) Spouse's Allowance
When a teacher dies in service and has completed 8 years of eligibility service, the surviving spouse is entitled to receive 60% of the allowance which would have been payable to the teacher at the time of death. This allowance is payable immediately.
(ii) Children's/Orphan's Allowance
If a spouse's allowance is payable, an amount equal to 10% of the allowance which would have been payable to the teacher is payable to each dependent child, subject to a maximum for all the children of 25% of the allowance, and the amount is divided equally among them.
(iii) If a spouse's allowance is not payable, an amount not exceeding 85% of the teacher's allowance is payable to the dependent children (60% for 1; 70% for 2; 80% for 3; 85% for 4 or more) and is divided equally among them.
(iv) Allowances for other Dependents
If neither a spouse's allowance nor a children's allowance is payable, dependent parents, in accordance with the Income Tax Act, receive 60% of the allowance which would have been payable to the teacher at the time of death.
An option is also available for the surviving spouse and/or dependents of a deceased teacher to apply to the Teachers' Superannuation Commission for a refund of all teacher contributions plus interest standing to the credit of the deceased teacher instead of the above benefits or with at least 8 years eligibility service, the survivor may request a lump sum refund of teacher contributions and interest instead of receiving a monthly allowance.
(v) Refund of Contributions and Interest
The surviving spouse or dependents of a member who dies before receiving an allowance may elect to receive a refund of the member's contributions and credited interest.
(c) Nominee
When a teacher dies in service and leaves no surviving spouse or dependents, the teacher contributions and interest less any disability benefits paid to the teacher are refunded to the teacher's estate or designated nominee(s). Matching government contributions remain in the Teachers' Superannuation Fund.
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ADMINISTRATION
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FUNDS
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CONTRIBUTION RATE
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TEACHING SERVICE
* Contributory Teaching Service
* Income Continuance Plan Service
* Purchase of Service
* Service on a Part-Time Contract
* Substitute Service
* Accumulation of Partial or Substitute Service
* Qualifying Service
* Procedures
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RECIPROCAL TRANSFER AGREEMENTS
* Procedure
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ELIGIBILITY
* Retirement with an Unreduced Allowance
* Retirement with a Reduced Allowance
* Procedures
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RETIREMENT BENEFITS
* Prior to Age 65
* Age 65
* Minimum Allowance
* Procedures
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INDEXING OF ALLOWANCES
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DEFERRED ALLOWANCES
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SURVIVOR BENEFITS
* Death Before Retirement
* Death After Retirement
* Adjustment at Age 65
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TERMINATION
(For Reasons Other Than Retirement)
* Conditions for a Refund
* Amount of Refund
* Reinstatement of Refund
* Commuted Value
* Spouse of Deceased Teacher
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SUPERANNUATES WHO RETURN TO TEACHING
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PENSION DIVISION ON MARRIAGE BREAKDOWN
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VOLUNTARY CONTRIBUTIONS
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SUMMARY
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PENSION AUTHORITIES' CONTACT
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