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When an active Plan Member dies

Survivor Benefits

Member Handbook
Survivor Benefits
Pre-Retirement Survivor Benefits
What if I die before I retire?

The CAAT Pension Plan's main purpose is to pay pensions to Members once they retire. The Plan also makes sure that your Beneficiaries are protected upon your death. Knowing in advance what to expect from the Plan can help your loved ones during a difficult time. This pamphlet explains the benefits your Spouse, Children and Beneficiaries could be eligible to receive if you were to die before you retire, as an active Plan Member.

Survivor Benefit Entitlement

All Plan Members who are entitled to a pension also have a right to some form of Survivor Benefit for their Beneficiaries when they die. This includes Members who die while employed at a College as well as those who are on an approved leave of absence or disability leave. The Beneficiaries of former Members who left the Plan and are eligible to receive a deferred pension are also entitled to a Survivor Benefit.

If you are not Vested

If you are Vested

You have a Spouse (with or without Children)

You have eligible Children but no Spouse

You have no eligible Children and no Spouse

The importance of your Beneficiary

Your Spouse dies while collecting a pension

Excess contributions

Change in marital status

Pamphlets: Table of Contents

January 2005