Claiming survivor benefits

The death of a loved one is one of the most difficult events many of us will experience. The CAAT Plan understands your need for timely and thorough information during this sensitive time.

Your first step is to report the death of the retired member to the CAAT Pension Plan. If you have not already done so, please contact us.

Once the CAAT Plan is notified of the death of a retired member, (or of a spouse in the case of a spousal pension) the Plan will stop any pension payments to their bank account. If the Plan continued to pay the pension before being advised of the death (due, for example, to a delay in notification), payments made after the death will need to be repaid.

The survivor benefits begin on the first day of the month following the death, providing all documents are fully completed and submitted.

Benefits available to survivors

  • If you are the eligible spouse of a deceased retired member, you will receive a monthly spousal pension for life.
  • If you are the eligible child (under age 18) of a deceased retired member who had no spouse, you will receive a monthly children's pension until you turn 18, paid to your legal guardian.
  • If you are the eligible child (under age 18) of a deceased spouse who was collecting a spousal pension, or of a retired member whose spouse was collecting a spousal pension, you are entitled to a monthly children's pension equal to the pension the spouse was receiving, paid to your legal guardian, until you turn 18.
  • If you are a beneficiary (or represent the estate) of a deceased retired member who had no spouse or eligible children, you (or the estate) may be entitled to a one-time payment under the 60 months pension guarantee. If the retired member has already collected their pension for 5 years or more, the beneficiary or estate is not entitled to a payment.)
  • If you are a beneficiary (or represent the estate) of a deceased spouse who was collecting a spousal pension and who had no eligible children, you (or the estate) may be entitled to a one-time payment under the 60 months pension guarantee. If 60 months' worth of pension has already been collected by the retired member and the spouse, the beneficiary or estate is not entitled to a payment.

60 months pension guarantee

The CAAT Pension Plan guarantees that retired members and their survivors will receive pension payments of at least 60 times the initial monthly lifetime pension amount at time of retirement (i.e., the first monthly payment a retired member receives x 60).


Forms and documentation

To begin your payments, complete the form appropriate to your situation and submit it to the Plan along with the required documentation.

 

The Plan requires proof of the date of death of the retired member or spouse in the form of a legible photocopy of either a provincial death certificate or a funeral home certificate.

The Plan may request proof of age of the retired member's spouse or child in the form of a legible photocopy of one of the following: a birth or baptismal certificate, a Canadian passport, a driver's license or citizenship card, or a marriage certificate that shows the date of birth.

The Plan may require letters probate to establish the executor of the retired member's will in the event that there are no beneficiaries.

In the case of the Children's pension, the legal guardian must complete the form and send the Plan a void cheque from his or her account into which the payments will be deposited.