Survivors' Benefit

General

Survivors Benefit shall be payable to or for the Benefit of the Dependants of a Deceased Insured Person.

Qualifying Conditions

At the time of death, the Insured Person must have:

  • been in receipt of Old Age Pension or Invalidity Pension; or
  • satisfied the Contribution Requirement for the Award of the Invalidity Pension; or
  • been sixty- (60) years of age or over, and would have been entitled to Old Age Benefit had he made a Claim for such Benefit.

Entitlement

The Dependants of a Deceased Insured Person entitled to claim Survivor’s Benefit are:

  1. The Widow of the Deceased provided that
    1. She is forty-five (45) years of age or over, or
    2. She is incapable of work and this incapacity is likely to be permanent; or
    3. She is pregnant by her late husband; or
    4. She has the care of a Child or Children of his or their marriage, under sixteen (16) years of age, and was either residing with him or receiving, or entitled to receive from him periodical payments for the maintenance of herself or the Children or both, of not less than five dollars ($5.00) weekly.
  2. The Widower of the Deceased provided that:
    1. He is over fifty-five (55) years of age and incapable of work, and that incapacity is likely to be permanent; and
    2. He had no income from any source, whether by way of Pension or otherwise other than Public Assistance under the Poor Relief Act, or Non-contributory Pension under the Old Age Pension Act.
  3. Every Unmarried Dependant Child who becomes an Orphan, if at the death of the Surviving Parent he / she:
    1. Is left with no Parent;
    2. Is under the age of eighteen (18) years, and had been wholly or partially maintained by a Deceased Insured Parent in his lifetime; and
    3. Has no Stepmother or Stepfather with a prior Claim.

      If the Deceased is not survived by a Widow, Widower or Child; a lump-sum shall be payable to a Dependant or Dependants being Member(s) of the Family of the Deceased, and wholly or partially maintained by the Deceased provided that:
      1. If the Dependant is a Man, he is permanently incapable of self-support;
      2. If the Dependant is a Woman, is herself permanently incapable of self-support, or is living with her Husband who is permanently incapable of self-support;
      3. If the Dependant is a Child, he / she is under the age of eighteen (18) years, or being above that age, is permanently incapable of self-support.
  • A Pension is payable to the Dependants mentioned at items (a) to (c) above, provided that the Deceased Insured Person was in receipt of, or entitled to received Old Age Pension or Invalidity Pension.
  • A Grant (lump-sum payment) is payable, if the Deceased Insured Person would have been entitled to an Old Age or Invalidity Grant had a Claim been made, or if the Dependant falls in the category of "other members of the family"
  • The Rate of Pension Payable to each category of Dependants is shown in the Schedule below.


    Beneficiary Basic Rate of Pension Increase per Dependent Maximum Pension Payable
    Widow/Widower 50% of Old Age or Invalidity Pension paid or which would have been payable 16 2/3% of Old Age or Invalidity Pension paid or which would have been payable Subject to a maximum of three (3) dependants 100% of Old Age or Invalidity pension paid or which would have been payable
    Orphan 33 1/3% Old Age or Invalidity Pension Subject to a maximum of three (3) dependants - 100% of Old Age or Invalidity Pension

    • Period For Which Pension Is Payable

      Survivor’s Pension is payable:

      1. To a Widow, from the date of death of her Husband for life, provided that:
        1. If she remarries or cohabits with a man not her Husband, her Basic Rate of Benefit but not the increases already awarded for her Dependants, shall cease from the date of her remarriage or cohabitation.
        2. If she remarries, she shall be entitled to a Gratuity on termination of her Basic Rate of Benefit, of an amount equal to 52 times the Weekly Rate of the Basic Benefit to which she was entitled, but not the increases already awarded in respect of her Dependants.
      2. To a Widower, from the date of death of his Wife for life or:
        1. Until he is declared by a Medical Board to have become capable of work; or
        2. Until the General Manager is satisfied that his circumstances have been change by remarriage or otherwise, that he no longer fulfills the condition at item (b) above.
      3. To an Orphan, from the date of death of the Surviving Parent, until the age of sixteen (16) years. Payment will continue beyond age sixteen (16) years, if the Orphan:
        1. Is between the ages of sixteen (16) and eighteen (18) years and is an Unpaid Apprentice and not otherwise employed for gain, or is receiving full time education; or is unmarried and permanently incapable of work.
      • In cases where the Insured Person would have been entitled to a Grant but died before a Claim for such Benefit had been made, the amount of the Survivors Benefit payable to those persons mentioned in item (a) to item (c) above, would be the amount of the Grant to which the Insured Person would have been entitled.

  • Where there is more than one Dependant, the amount payable shall be distributed as the General Manager thinks reasonable.
  • Where the payment of a Grant results in an individual Beneficiary receiving an amount in excess of sixty monthly payments of the Minimum Pension Payable, an Annuity or Periodical Payment shall be made.
  • The Annuity for a Child under the age of sixteen (16), shall be calculated as if it were ceasing at the age of sixteen (16) years, and shall not exceed the amount of an Orphan’s Pension.
  • After the age of sixteen (16) years, the Child shall be subject to the same conditions as for the continuation of a Pension to an Orphan.