Showing posts with label death before retirement. Show all posts
Showing posts with label death before retirement. Show all posts

Survivor Benefit for Vested Employee

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Employee is vested and dies before retirement, will their spouse receive any retirement benefit.
Yes, if you are a general state employee, married, vested in MOSERS, and die before you retire with MOSERS, your eligible surviving spouse will receive survivor benefits. Survivor benefit payments can begin as early as the month following your death provided that MOSERS receives and processes the survivor application and all necessary documentation, such as a death certificate*. The monthly benefit for your spouse will be based on the benefit you have accrued as of your date of death and calculated according to the Joint & 100% Survivor Option. The survivor benefit will be paid monthly for the remainder of your spouse's lifetime. You can find information regarding the death of a member on our website. Survivors should contact a MOSERS benefit counselor for guidance through the process.

Otherwise, during the retirement process, you will make elections to determine if any potential survivor benefits will be paid to anyone after your death or not.

*Exception: The “immediate” survivor benefit provision is not available for terminated-vested members of MSEP 2011 who were first employed on or after January 1, 2018. This was a change made in SB62 during the 2017 legislative session as a cost offset for the reduction in the vesting requirement from 10 years to 5 years for members of MSEP 2011. Eligible survivors of such members will begin receiving benefits when the deceased member would have attained normal retirement age. 

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BackDROP & Survivor Benefit?

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If I have completed my five year backdrop period and continue working in my state position, would my spouse receive the backdrop lump sum payment if I died while still working?
For example, if I completed the five year backdrop period on 8-1-2018, continued working, planned on retiring on 6-1-2019, but died on 3-1-2019 - would my spouse receive the lump sum back drop as well as the monthly survivor pension benefit, or would she just receive the monthly survivor pension benefit?
If you pass away before your retirement date, any elections you made about retirement are null and void, including any elections about BackDROP. If  you were still working and had not yet reached your retirement date, you are considered an “active member” and we must pay your eligible survivor. Your spouse’s monthly survivor benefit would be based on the Joint & 100% benefit payment option and calculated using your final average pay and credited service as of your date of death. Your spouse would not receive the BackDROP lump-sum payment if you died prior to your retirement date. In calculating your spouse’s monthly benefit, we would count the time in what would have been your BackDROP period – your total years and months of creditable service. For more information regarding survivor benefits, please visit the Survivor section of our website. 
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MSEP 2011 Survivor Benefits

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I am a MSEP 2011 Employee and had a question regarding the new retirement benefit plan. I understand you can now become vested at 5 years instead of 10, but my question is, if my spouse and I are both deceased before the retirement age, who will receive my benefits? The previous handbook states if there is no eligible spouse, a total of 80% of your monthly base benefits will be paid to your natural or legally adopted children who are younger than age 21. Who will have children at the retirement age of 67 under the age of 21? A vast majority of employees will not have dependent children at retirement age, so where will the retirement benefits go then? Will there be a new MSEP2011 general employee handbook sent out soon? 
It is accurate that, if you are an active general state employee, married, vested in MOSERS, and die before you retire with MOSERS, your eligible surviving spouse will receive survivor benefits, and also that if there is no surviving spouse, a survivor benefit is payable to your natural or legally adopted child(ren) younger than age 21. If you die without any eligible beneficiaries, no survivor benefits are paid.

If you made employee contributions to MOSERS and die without any eligible survivors, a refund of your contributions plus interest will be made to the beneficiary(ies) you have listed on your Contribution Beneficiary(ies) form or as otherwise permitted by law.

All of the above information applies if you die while actively employed and BEFORE you begin receiving your MOSERS pension benefit. Members often have similar questions about death AFTER retirement. A key feature of your MOSERS defined benefit (DB) pension plan is that it can provide financial security for your eligible survivor(s) as well. During the retirement process, you will make elections to determine if any potential survivor benefits will be paid to anyone after your death or not – to a spouse if you are married, or, potentially, to another beneficiary. 

If you terminate employment, then die before retirement, other stipulations apply. Effective January 1, 2018 for MSEP 2011 terminated-vested members: If you die after leaving state employment but prior to normal retirement eligibility age, monthly pension benefits will be payable to your eligible survivor(s) when you would have reached normal retirement eligibility. Please see the updated MSEP 2011 Handbook on our website for more information.

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Survivor Benefits

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If I die before I retire does my wife automatically receive the benefit when she retires?
Yes, if you are a general state employee, married, vested in MOSERS, and die before you retire with MOSERS, your eligible surviving spouse will receive survivor benefits. Survivor benefit payments can begin as early as the month following your death provided that MOSERS receives and processes the survivor application and all necessary documentation, such as a death certificate*.

The monthly benefit for your spouse will be based on the benefit you have accrued as of your date of death and calculated according to the Joint & 100% Survivor Option. The survivor benefit will be paid monthly for the remainder of your spouse's lifetime.

If there is no eligible spouse, a survivor benefit may be paid to your natural or legally adopted child(ren) who are younger than age 21. This benefit is dependent on the law in effect at the time of your termination. If there is more than one eligible child, the benefit will be divided equally among them. The survivor benefit for each child will stop when the child becomes age 21 (unless a child is totally disabled and you terminated service with the state on or after 8/28/2001).

If you die without any eligible beneficiaries, no retirement benefits are paid.

Otherwise, during the retirement process, you will make elections to determine if any potential survivor benefits will be paid to anyone after your death or not.

*Exception: The “immediate” survivor benefit provision is not available for future terminated-vested members of MSEP 2011 who will be hired after January 1, 2018. This was a change made in SB62 during the 2017 legislative session as a cost offset for the reduction in the vesting requirement from 10 years to 5 years for members of MSEP 2011. Eligible survivors of such members will begin receiving benefits when the deceased member would have attained normal retirement age. 

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BackDROP Benefits & Death of Member

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Is it true that if a vested State Employee passes away before filing for retirement that the backdrop benefit is lost?
We try to make information about your benefits as clear as possible, but all plan provisions are established by law which sometimes makes it a little complicated. So, let’s break it down.

The key fact is not if a member passes away before they file/apply for retirement; it is if they pass away before their actual retirement date. Retirement date is defined by state law. Most people think of (and celebrate) their last day at work as their retirement date but, for us, that is their termination date (defined as their last day of work in a MOSERS benefit-eligible position).

The law defines “Retirement Date” as: The first day of the calendar month when a member begins to receive retirement benefits. The first payment is made the last working day of that month.

If a member passes away before their retirement date, any elections they made about retirement are null and void, including any elections about BackDROP. If they were still working and had not yet reached their retirement date (as defined above), they are considered an “active member” and we must pay their eligible survivor. Here is a similar question and answer on this topic:
http://mosersrc.blogspot.com/2016/12/backdrop-survivor-benefits.html.
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BackDROP & Survivor Benefits

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I am a retired state employee and my wife will be retiring from the state later this year. Someone told us that should she pass away before she retires her backdrop would be forfeited and I would not receive it? Is that true?
For purposes of clarity, let’s assume your wife’s retirement date is March 1 and benefit payments would be issued on March 31.

If your wife met all the requirements, applied for retirement and elected BackDROP but passed away before her retirement date/before March 1, as her eligible spouse, you would not receive the BackDROP lump-sum payment but you would receive a monthly survivor benefit for life. Your survivor benefit would be based on the Joint & 100% option and calculated using her final average pay and credited service as of her date of death.

Based on the same assumptions as above, if your wife passed away on or after her retirement date/March 1, but before payments were issued for the month, you would receive the BackDROP lump-sum payment and survivor benefits would be paid according to the benefit payment option she elected when she completed the MOSERS retirement process. The calculation for the monthly benefit would be based on her final average pay and credited service as if she retired on her BackDROP date/the beginning of her BackDROP period. By electing BackDROP, there is less creditable service and potentially a lower final average pay in the benefit calculation which, in almost all cases, reduces the monthly benefit for the member and subsequently, the surviving spouse.

For more information regarding survivor benefits, please review the “Survivor” section of our website: https://www.mosers.org/Members/Survivors.aspx.

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Death of a Member Before Retirement Date

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If a person is eligible to retire (80+ years), but continues working and sadly passes, then does the spouse get full benefits or merely what has been paid into the system?
We recently addressed this question on the blog, which you can view here. You can also use the Categories menu option above to search for previously answered questions on survivor benefits and many other topics. Print Friendly and PDF

Death Before Retirement & Survivor Benefits

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I am a former state employee, who was vested when I left state employment. If I die before I begin receiving my pension benefit, will my spouse be eligible to receive it? Or will MOSERS get to keep my pension? If my spouse is eligible to receive my pension benefit, how does that happen, when will my spouse be eligible to get it (age 62? 65? Immediately upon my death?), and for how many years (10, 20, lifetime?)? Thank you. 
Thank you for your questions. Let’s address each one individually:

  1. If you die BEFORE you begin receiving your MOSERS pension benefit, will your spouse be eligible to receive it?  Yes, if you are a general state employee, married, vested in MOSERS, and die before you retire with MOSERS, your eligible surviving spouse will receive survivor benefits. The monthly benefit for your spouse will be based on the benefit you have accrued as of your date of death and calculated according to the Joint & 100% Survivor Option. If there is no eligible spouse, a survivor benefit may be paid to your natural or legally adopted child(ren) who are younger than age 21. This benefit is dependent on the law in effect at the time of your termination. If there is more than one eligible child, the benefit will be divided equally among them. The survivor benefit for each child will stop when the child becomes age 21 (unless a child is totally disabled and you terminated service with the state on or after 8/28/2001). If you die without any eligible beneficiaries, no retirement benefits are paid.
  2. HOW would your spouse begin receiving benefits from MOSERS? Your eligible surviving spouse can find information on our website and should contact a MOSERS benefit counselor for guidance through the process. We will provide your spouse with a customized Application for Survivor Benefits which he or she must complete and return along with any other necessary documentation. Information about your MOSERS benefits is contained in your Benefit Statement which all active, terminated-vested, and retired members can find by logging in to their MOSERS Member Homepage
  3. WHEN will your spouse begin receiving benefits from MOSERS? Benefit payments can begin the month following your date of death as long as the application and any necessary documents (such as a death certificate) have been submitted, and all legal requirements have been met. 
  4. HOW LONG will your spouse receive MOSERS pension benefits? The survivor benefit will be paid monthly for the remainder of your spouse's lifetime. 
All of the above information applies if you die BEFORE you begin receiving your MOSERS pension benefit. Members often have similar questions about death AFTER retirement. A key feature of your MOSERS defined benefit (DB) pension plan is that it can provide financial security for your eligible survivor(s) as well. During the retirement process, you will make elections to determine if any potential survivor benefits will be paid to anyone after your death or not. We hope you find this information helpful.

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Survivor Benefit

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If an employee dies before retirement or after retirement what happens to their retirement funds? Does it go their children? Minor children? or does the employee lose this benefit if not married? 
For general state employees who are vested, the following applies:

Death BEFORE Retirement
If there is no eligible spouse, a survivor benefit may be paid to your natural or legally adopted child(ren) younger than age 21. This benefit is dependent on the law in effect at the time of your termination. If there is more than one eligible child, the benefit will be divided equally among them. The survivor benefit for each child will stop when the child becomes age 21 (unless a child is totally disabled and you terminated service with the state on or after 8/28/2001). Benefits can begin the month following the member’s death if all necessary documentation is provided.

If you die without any eligible beneficiaries, no retirement benefits are paid.

Death AFTER Retirement
At retirement you will elect a benefit payment option that determines whether or not a benefit will be paid to anyone after your death, e.g. life income annuity, life income with 120 guaranteed payments, life income with 180 guaranteed payments.

In General
No benefits will be paid for a deceased general state employee who is not vested (unless the employee’s death is determined to be duty-related). However, a designated beneficiary of an MSEP 2011 member may request a refund of contributions paid by that member plus any interest.

If you aren’t sure which plan you belong to or the vesting requirement, check the Which Plan Am I In? section of MOSERS’ website.

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Death Before Retirement

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What happens to money that is in an individuals retirement account if he/she passes away before retiring?
Members do not have individual retirement “accounts” with MOSERS; they earn benefits payable to them or their eligible beneficiary(ies).

If you are a general state employee, married, vested* in MOSERS, and die before retirement, your eligible surviving spouse will receive survivor benefits. The monthly benefit for your spouse will be based on the benefit you have accrued as of your date of death and calculated according to the Joint & 100% Survivor Option. The survivor benefit will be paid monthly for the remainder of your spouse's lifetime. Benefit payments can begin the first of the month following your date of death,  but your spouse must submit an Application for Survivor Benefits and any necessary documentation.

If there is no eligible spouse, a survivor benefit may be paid to your natural or legally adopted child(ren) who are younger than age 21. This benefit is dependent on the law in effect at the time of your termination. If there is more than one eligible child, the benefit will be divided equally among them. The survivor benefit for each child will stop when the child becomes age 21 (unless a child is totally disabled and you terminated service with the state on or after 8/28/2001).

If  you die without any eligible survivors, no retirement benefits will be paid on your behalf. The state’s annual contribution is pooled with investment returns (and employee contributions from MSEP 2011 members) to fund the retirement system. If you made employee contributions to MOSERS and die without any eligible survivors, a refund of your contributions will be made to the beneficiaries you have listed on your Contribution Beneficiary(ies) form or otherwise according to law.

On a related issue, we encourage you to make sure your life insurance beneficiaries are current (if you have life insurance with MOSERS) so proceeds will be paid according to your wishes.

If your circumstances are different than those described above, you may contact a MOSERS benefit counselor who can help you understand how the law would apply in your specific situation.

*If you aren’t sure which plan you belong to or the vesting requirement, check the Which Plan Am I In? section of MOSERS’ website.

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Information About Survivor Benefits

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Where can I find information regarding; If a employee dies before retirement, does the employees spouse receive any retirement benefit from their deceased spouse?
We’ve answered a number of Rumor Central questions regarding death before retirement, which you can review at any time. More information is available on the Survivors page on our website.

If you are married, vested* in MOSERS, and die before retirement, your surviving spouse would be eligible for a survivor benefit.

The monthly benefit for your spouse will be based on the benefit you have accrued as of your date of death and calculated according to the Joint & 100% Survivor Option. The survivor benefit will be paid monthly for the remainder of your spouse's lifetime.

Benefit payments can begin the first of the month following your date of death,  but your spouse must submit an Application for Survivor Benefits and any necessary documentation. There is nothing you need to do for your retirement benefit, but we do encourage you to make sure your life insurance beneficiaries are current (if you have life insurance with MOSERS).

*If you aren’t sure which plan you belong to or the vesting requirement, check the Which Plan Am I In? section of MOSERS’ website.

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Survivor Benefits Before Retirement

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My question is I have 15 years service in doc if I was to die tomorrow what form do I have to have completed that gives my spouse lifetime retirement benefits of the years of service I have ?
There is no form that you need to fill out at this time. If you are married, vested* in MOSERS, and die before retirement, your surviving spouse would be eligible for a survivor benefit.>
The monthly benefit for your spouse will be based on the benefit you have accrued as of your date of death and calculated according to the Joint & 100% Survivor Option. The survivor benefit will be paid monthly for the remainder of your spouse's lifetime.

Benefit payments can begin the first of the month following your date of death,  but your spouse must submit an Application for Survivor Benefits and any necessary documentation. More information is available on the Survivors page on our website. There is nothing you need to do for your retirement benefit, but we do encourage you to make sure your life insurance beneficiaries are current (if you have life insurance with MOSERS).

*If you aren’t sure which plan you belong to or the vesting requirement, check the Which Plan Am I In? section of MOSERS’ website.

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MOSERS & Marriage

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I am fortunate to be single and I wonder what happens to my pension if I do get married after retirement. If I marry before retirement, will my spouse have a bigger pension if I die or does it make any difference at all? Many future retirees would like to know this answer.
The benefit payment options available to you at retirement depend on which plan you belong to and if you are married or single at retirement. If you aren’t sure which plan you belong to, check the Which Plan Am I In? section of MOSERS’ website. If married at retirement, you will have five benefit payment options to choose from; if single, you will have three (except for members of the Judicial Plan prior to 1/1/2011*). The joint & survivor options are available only if married.  See page 13 of the Retirement Guide or the Benefit Payment Options Summary on p. 17 of the PreRetirement Planning Reference Book for more information about benefit payment options. Regardless of the option you elect, you will receive a benefit payment each month for as long as you live.**

In general, once the first retirement benefit payment has been issued by MOSERS, you can’t change the benefit payment option you elected at retirement. One exception is if you are single at retirement and choose the life income annuity payment option but later marry. If this happens, you may change your payment option to one of the joint and survivor options if you make this election within one year from marriage. The new spouse must be designated as your beneficiary by submitting a Designation of New Spouse as Beneficiary for Retirement Benefits form to MOSERS.

If you marry and die before retirement, your surviving spouse would be eligible for a survivor benefit. The monthly benefit for your spouse will be based on the benefit you have accrued as of your date of death and calculated according to the Joint & 100% Survivor Option. The survivor benefit will be payable for the remainder of your spouse’s life. If there is no survivor spouse, 80% of your monthly base benefit will be paid to your natural or legally adopted child(ren) who are younger than age 21. If there are no dependent children, no survivor benefit will be paid.

If you marry and die after retirement, your surviving spouse would be eligible for a survivor benefit based on the election you made upon retirement, e.g., 50% Joint &Survivor or 100% Joint & Survivor.   

*Different provisions apply to judges who were members of the Judicial Plan prior to January 1, 2011.  Please see your Judge’s Retirement Handbook for more information.
**Unless you return to work in a MOSERS benefit-eligible position or forfeit your pension benefits due to felony conduct in connection with your duties as a state employee. 

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Unmmaried Members Dying Before Retirement

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If I pass away before my retirement date, am unmarried, and my child is over 21 where does my hard earned retirement benefits go?
Your retirement plan is designed to provide financial security to you in retirement or to those who are financially dependent upon you.  If a member dies without any eligible dependents, no retirement benefits are paid.  You do not have a separate account, rather the state’s annual contribution toward your benefit is pooled with investment returns and employee contributions (MSEP 2011 members) to fund the retirement plan.

Most* MOSERS members are also eligible for basic life insurance equal to one times their annual salary and any optional life insurance that they may have elected. Your life insurance coverage amounts are payable to your named beneficiary(ies) if you die while insured, whether those beneficiaries are financially dependent upon you or not.

We addressed the potential survivor benefits in the case of a member’s death before retirement in more detail in another recent Rumor Central question. As a reminder, you can click on Categories on our Rumor Central blog and see if we have answered your question or a similar one in the past.  

* MOSERS’ life insurance benefits are not available to employees of the Department of Conservation or state colleges and universities (except State Technical College of Missouri and Lincoln University).Those organizations administer their own life insurance benefits. 

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Death Before Retirement

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IS IT TRUE IF I AM 80 AND OUT AND READY TO RETIRE, BUT DIDN'T SIGN THE PAPERWORK I WAS GOING TO RETIRE, AND DIE IN MY SLEEP TONIGHT, NO FAMILY MEMBER WOULD GET MY RETIREMENT FUNDS, ONLY LIFE INSURANCE AND DEFERR COMP?
It depends on if you are vested or not. If you are a general state employee, employed before January 1, 2011, and die with at least five years of credited service  (at least ten years of credited service for members of the MSEP 2011), a survivor benefit will be paid to your eligible spouse or child(ren). Although survivor benefit payments begin the first of the month following your date of death, they are not automatic. Each eligible benefit recipient must submit an Application for Survivor Benefits with the required proof-of-age and lawful presence documentation.

To be eligible, your surviving spouse must be married to you on your date of death. The monthly benefit for your spouse will be based on the benefit you have accrued as of your date of death and calculated according to the Joint & 100% Survivor Option. The survivor benefit will be payable for the remainder of your spouse’s life.

If there is no eligible spouse, a survivor benefit may be paid to your natural or legally adopted child(ren) who are younger than age 21. This benefit is dependent on the law in effect at the time of your termination. If there is more than one eligible child, the benefit will be divided equally among them. The survivor benefit for each child will stop when the child becomes age 21 (unless a child is totally disabled and you terminated service with the state on or after 8/28/2001).

If there is no eligible spouse or dependent children, then there would be no pension benefit payable and only life insurance and deferred compensation funds would be payable.

We encourage you to apply online – it is fast, easy and efficient. The ideal time to apply for retirement is 45-120 days prior to your retirement date.

Your MOSERS life insurance benefits* will be paid to the designated beneficiary(ies) on file with MOSERS.

*Note: Life insurance programs mentioned here may not apply to universities/colleges and the Department of Conservation. Please contact your HR or personnel office for more information.

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BackDROP and Death Before Retirement

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If I am working past my retirement date and am working on BackDROP, what happens if I die before I officially retire related to the BackDROP amount? I have read my spouse will get the 100% survivor rate but what happens to my BackDROP if I die before I get it?
Should you pass away while actively employed a survivor benefit may be paid to your eligible spouse. To be eligible, your surviving spouse must be married to you on your date of death. The monthly benefit for your spouse will be based on the benefit you have accrued as of your date of death and calculated according to the Joint & 100% Survivor Option. The survivor benefit will be paid monthly for the remainder of your spouse's lifetime.

At the time of retirement, you must elect the BackDROP option and a benefit payment option which determines if a benefit will be paid to anyone after your death.  Should you pass away prior to retirement, you have not elected BackDROP, therefore there is no distribution payable to a beneficiary.
For more information regarding survivor benefits, please review the “Survivor” section of our website: https://www.mosers.org/Members/Survivors.aspx.

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Death Before Retirement

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We had a question at work for MOSERS. If a State worker passed away prior to actual retiring from state service, would the workers spouse and/or the workers children recieve any of the state benefits.
Death Before Retirement (Non Duty-Related)
If you die with at least five years of credited service, a survivor benefit will be paid to your eligible spouse or child(ren). Although survivor benefit payments begin the first of the month following your date of death, they are not automatic. Each eligible benefit recipient must submit an Application for Survivor Benefits with the required proof-of-age and lawful presence documentation.
To be eligible, your surviving spouse must be married to you on your date of death. The monthly benefit for your spouse will be based on the benefit you have accrued as of your date of death and calculated according to the Joint & 100% Survivor Option. The survivor benefit will be payable for the remainder of your spouse’s life. If there is no eligible spouse (or the spouse’s benefit is no longer payable), a total of 80% of your monthly base benefit will be paid to your natural or legally adopted child(ren) who are younger than age 21. If there is more than one eligible child, the benefit will be divided equally among them. The survivor benefit for each child will stop when the child becomes age 21 (unless a child is totally disabled).
Death Before Retirement (Duty-Related)
If you die while actively employed and your death is determined to be duty-related, your eligible spouse or child(ren) will receive a survivor benefit equal to the non duty-related death before retirement benefit, but in no event will the benefit amount be less than 50% of your average monthly pay. In the event of a duty-related death, there is no minimum service requirement. Note: If you die prior to your retirement date, the Retirement Application and any subsequent elections (such as BackDROP) will become null and void.
You can read more about life events and your benefits in our handbooks, which can be found online.


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Death Before Retirement and BackDROP

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If I am eligible to retire with BackDROP but I die before I submit my retirement documentation does my beneficiary still receive my pension and BackDROP?
If you are vested which is dependent on the plan you are eligible to retire in. (five years of service for MSEP and MSEP 2000 and ten years for MSEP 2011)
If your death is unrelated to work (non-duty related) and you are vested:
  •  A retirement (in addition to possible insurance) survivor benefit, will be paid to a spouse.  The amount is based on Joint & 100% survivor formula, with a reduction.
  • Your spouse is not eligible to receive BackDROP.
  • If there is no surviving spouse a retirement (in addition to possible insurance) survivor benefit will be paid for a child (ren) younger than the age of 21. Amount is based on 80% of the Life Income Annuity.
  • Divided equally if there is more than one child.
  • Benefit payment ends for child (ren) at 21. Unless the child is disabled.
  • Your child(ren) are not eligible to receive BackDROP
If you die while actively employed and your death is determined to be duty-related, your eligible spouse or child(ren) will receive a survivor benefit equal to the non-duty-related death before retirement benefit, but in no event will the benefit amount be less than 50% of your average monthly compensation. In the event of a duty-related death, there is no minimum service requirement.
  • Your spouse or children are not eligible to receive BackDROP.
  • If your death is determined to be duty-related, an additional life insurance* benefit may also be available if you are covered by the state’s life insurance program. Your designated beneficiary will receive an amount equal to three times your basic life insurance coverage.
 *Note:  Life insurance programs explained here may not apply to universities/colleges and the Department of Conservation. Please contact your HR or personnel office for more information.
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Death Before Retirement

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I understand that if I die before I retire my spouse gets some benefits. Is this a lump sum and how is it calculated? 
Regarding death before retirement, if your death is non-duty related and you are vested, a monthly survivor benefit will be paid to your eligible spouse or child(ren). Although survivor benefit payments begin the first of the month following your date of death, they are not automatic. Each eligible benefit recipient must submit an Application for Survivor Benefits with the required documentation.
Vested requirements:
·         Five years of service for MSEP and MSEP 2000
·         Ten years of service for MSEP 2011
The monthly benefit for your spouse will be based on the benefit you have accrued as of your date of death and calculated according to the Joint & 100% Survivor Option. The survivor benefit will be payable for the remainder of your spouse’s life.
If there is no eligible spouse (or the spouse’s benefit is no longer payable), a total of 80% of your monthly base benefit will be paid to your child(ren) younger than age 21. If there is more than one eligible child, the benefit will be divided equally among them. The survivor benefit for each child will stop when the child becomes age 21 (unless a child is totally disabled).
If you die while actively employed and your death is determined to be duty-related, your eligible spouse or child(ren) will receive a survivor benefit equal to the non-duty-related death before retirement benefit, but in no event will the benefit amount be less than 50% of your average monthly compensation. In the event of a duty-related death, there is no minimum service requirement.
If your death is determined to be duty-related, an additional life insurance* benefit may also be available if you are covered by the state’s life insurance program. Your designated beneficiary will receive an amount equal to three times your basic life insurance coverage.
*Note:  Life insurance programs explained here may not apply to universities/colleges and the Department of Conservation. Please contact your HR or personnel office for more information.
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If you have reached the "80 & out" and more than 2 but less than 5 years of Backdrop in and you die. . . can your spouse file for your retirement ben

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If you have reached the "80 & out" and more than 2 but less than 5 years of Backdrop in and you die. . . can your spouse file for your retirement benefits plus Backdrop? Do they need an Advanced Directive or what would be their options?
No, spouses of deceased members are not eligible for BackDROP benefits if the deceased passes away before retiring. The spouse of a member who dies while actively employed is, however, eligible to receive a lifetime survivor benefit. No advanced directive is needed. We require notification of the death, followed by a copy of the death certificate for the deceased member and a Survivor application completed by the spouse. Print Friendly and PDF