Human Resources Services
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Fax (519) 971-3688
E-mail:lea@uwindsor.ca

Mailing Address:
University of Windsor
Human Resources Services
401 Sunset Avenue
Windsor, Ontario
N9B 3P4
Retirement Plan - Employees
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Section 11 - Benefits On Death




11.01 Death Benefit For Post-1986 Service

(1) Death Benefit Amount

If a Member dies before pension commencement and before Normal Retirement Date, a death benefit is payable in an amount equal to the Commuted Value of the Member’s pension accrued to him/her under Section 7.01 for Pensionable Service on and after January 1, 1987 and otherwise accrued or granted on or after January 1, 1987, provided that the death benefit for service between January 1, 1987 and December 31, 1991 shall not be less than a percentage of the Member’s total required contributions made to the plan between January 1, 1987 and December 31, 1991, with Credited Interest to the date of the Member’s death, determined in accordance with the following table:

Completed Years Of Continuous Percentage Of Employee
Service Prior To Death Contributions

Less than 11 years 100%
11 years and less than 12 years 110%
12 years and less than 13 years 120%
13 years and less than 14 years 130%
14 years and less than 15 years 140%
15 years and less than 16 years 150%
16 years and less than 17 years 160%
17 years and less than 18 years 170%
18 years and less than 19 years 180%
19 years and less than 20 years 190%
20 years and over 200%

(2) Death Benefit Payable To Spouse

The death benefit payable under Section 11.01(1) is payable to the Member’s Spouse unless the Member and Spouse have completed and filed a waiver in the prescribed form.

The Spouse may elect to receive the benefit described in Section 11.01(1) in either of the following forms:

(a) a lump sum payment; or

(b) an annuity payable for the Spouse’s lifetime, as may be provided by the amount in (a), commencing at any time prior to the end of the calendar year in which the Spouse attains age 69 (or, if later, within one year after the death of the Member).

If the Spouse fails to make an election within 90 days of being advised of the entitlement under this Section, the Spouse will be deemed to have elected an immediate annuity under Section 11.01(2)(b).

(3) Death Benefit Payable To Non-Spouse Beneficiary

If the Member does not have a Spouse at the date of death, the death benefit payable under Section 11.01(1) is payable in a lump sum to the Member’s Beneficiary.

11.02 Death Benefit For Pre-1987 Service

If a Member should die prior to the commencement of his/her pension, his/her Beneficiary, or if none, his/her estate, shall receive a percentage of the Member’s total required contributions made to the Plan before January 1, 1987, with Credited Interest to the date of the Member’s death, as a lump sum, determined in accordance with the following table:

Completed Years Of Continuous Percentage Of Employee
Service Prior To Death Contributions

Less than 11 years 100%
11 years and less than 12 years 110%
12 years and less than 13 years 120%
13 years and less than 14 years 130%
14 years and less than 15 years 140%
15 years and less than 16 years 150%
16 years and less than 17 years 160%
17 years and less than 18 years 170%
18 years and less than 19 years 180%
19 years and less than 20 years 190%
20 years and over 200%

11.03 Refund Of Voluntary Contributions [And Excess Contributions]

In addition to any other death benefit payable under this Section 11, the Member’s Spouse or, if he/she has no Spouse, his/her Beneficiary is entitled to receive:

(1) a refund of his/her additional voluntary contributions, if any, to the Plan, with Credited Interest; and

(2) a refund of any excess contributions made under the Plan determined under Section 7.06(2).

11.04 Death In Service After Normal Retirement Date

If a Member’s death occurs while in the service of the University after his/her Normal Retirement Date, but before his/her postponed retirement date, he/she shall be considered to have been retired on the first day of the month coincident with or immediately prior to his/her date of death and death benefits shall be paid in accordance with the provision of Section 11.05 below.

If such a Member had elected an optional pension form pursuant to Section 9.03 hereof, such option shall be deemed to have taken effect as of his/her deemed retirement date.

11.05 Death After Retirement

If a Member should die after he/she has retired, the determination and payment of benefits due under the Plan following his/her death shall be in accordance with the provisions of the normal or any optional form of retirement income applicable to such Member, pursuant to Section 9 hereof.





Copyright 1999, University of Windsor
Although care has been taken in preparing the information in this site the University of Windsor cannot guarantee its accuracy.