what to do when your police spouse dies
Naming a Beneficiary
When a fellow member joins the Police Officers Retirement Organization, the fellow member is asked to proper noun one or more than beneficiaries to receive benefits in the event of the fellow member's death. The fellow member may name anyone he/she wishes, unless the member has a spouse or dependent children. If the fellow member names more than ane person, each person will share equally in the full corporeality payable, unless automatic benefits are payable.
Forms for naming or changing beneficiaries are available from the Retirement Systems office or on the website. If a member does non have spouse or dependent children, and has non designated a beneficiary, payment will be made to the member'south estate.
Return of Contributions
In the issue of a member'southward expiry before retirement, member's contributions volition exist paid to the member's designated casher unless an automated benefit is payable to the surviving spouse or children. In the event of your decease after retirement, your contributions less any system benefits you lot received before death, will exist paid to your beneficiary unless a do good is payable to your surviving spouse or children.
Automated Benefit for Surviving Spouse and Children
An automated death do good will exist paid to your eligible surviving spouse and children in the event of your decease earlier retirement, after a service retirement, or retirement for a service-continued total inability. Information technology is not payable if your decease occurs while you are receiving a non-service continued or a deferred vested benefit.
Your eligible surviving spouse (or eligible surviving handicapped child if there is no spouse) will receive a monthly death benefit of $two,460.37 Each eligible surviving child will receive a do good of $984.14 a month. However,$4,920.76 is the maximum monthly benefit payable to all surviving family members combined. (Automatic benefit amounts quoted above are effective as of July 1, 2021).
Eligible surviving children include all single children nether xviii who are not supporting themselves. Unmarried children under age 23 may qualify if they are total-fourth dimension students in an accredited college or secondary school. An eligible handicapped child is a member'due south natural or legally adopted kid who, in the Lath's judgment, is permanently mentally incompetent or permanently physically handicapped.
The benefit volition proceed to your surviving spouse until their death. The benefit will keep to a surviving child until that kid marries, becomes self-supporting or reaches the age limit, whichever happens first. A handicapped child will receive the surviving kid's do good unless there is no surviving spouse. In that case the handicapped child will receive the spouse'south benefit until the handicapped child is determined to exist no longer permanently mentally incompetent or permanently physically handicapped. Each July 1 these benefits will be increased to reflect increases in the Consumer Price Alphabetize.
Optional Benefit for Family If Death Occurs in the Line of Duty
If a Police Officer is killed in the line of duty, the surviving spouse (or surviving handicapped child if there is no surviving spouse) may, instead of the automatic do good, elect to receive a benefit of 66 ii / 3 % of the fellow member'due south regular bacon at the fourth dimension of death. Once this election is made, information technology cannot be revoked.
I f elected, the optional benefit volition be paid to the surviving spouse until his or her death (or to the surviving handicapped child every bit long as that child is determined to be permanently mentally incompetent or permanently physically handicapped).
Example: Expiry Before Retirement -- Optional Family Benefit
If the member is killed in the line of duty and the surviving spouse elects the optional family
benefit, and if the member'due south monthly salary at the time of death is $five,000, the spouse is entitled to:
66 2 / 3 % x $five,000 = $3,333.l
In this case, the member's spouse would receive $3,333.l a calendar month until his or her expiry.
Articulation & Contingent Spouse and Handicapped Child Option
At retirement and Driblet entry, you may elect a Articulation & Contingent Spouse and Handicapped Kid Option that volition provide a benefit for those survivors in the result of your expiry. In one case yous make this ballot you cannot revoke it.
If you make this election, you lot will receive a reduced retirement benefit. Later on your death, your surviving spouse (or eligible handicapped kid) will receive 100%, 75%, 66 2 / 3 % , l% or 25% of the benefit you were receiving just before your expiry, depending on the pick you lot chose. This would be in addition to the automated monthly benefit payable to your surviving spouse.
The corporeality of reduction to your do good depends on the difference betwixt your age and your spouse's (or handicapped child'southward) age and on the per centum of your benefit that your spouse will receive. The Retirement Systems part can give you boosted information almost how the Articulation and Contingent Spouse and Handicapped Child Pick affects the amount of your benefit.Think that the Joint and Contingent Spouse and Handicapped Child Option is payable IN Add-on to the automatic do good and it is payable for life.
Source: https://www.fairfaxcounty.gov/retirement/police-officers-survivor-benefits-automatic-death-benefit
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