Employee Member Nonservice-Connected Death

Overview

Employee Member Nonservice-Connected Death

When an active employee who is a VCERA member dies and the death is not service-connected, the benefits payable to survivors or beneficiaries are dependent on the accumulated service credit at the time of death.

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Lump-Sum Benefit

The basic death benefit consists of a one-time payment of the contributions and interest in the member’s retirement account, plus one month’s salary for each completed year of retirement service credit, up to a maximum of six months’ salary. Salary is based on the average monthly compensation over the last 12 months of employment. Service credit excludes public service credit purchases.

A surviving spouse may be eligible to elect one of the following two options in lieu of the basic death benefit described above.

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Monthly Retirement Benefit

For a nonservice-connected death, if a member has at least five years of eligible vesting retirement service credit, including reciprocal service credit, a surviving spouse may elect a monthly lifetime retirement benefit equal to 60% of the monthly allowance the member would have been entitled to had he or she retired with a nonservice-connected disability as of the date of death.

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Combined Benefit

If a surviving spouse is eligible for a monthly retirement benefit, he or she may instead elect to receive a combined benefit consisting of a one-time payment equal to one month of salary for each year of the deceased member’s retirement service credit, up to a maximum of six month’s salary, plus the monthly benefit described above, reduced by the actuarial equivalent of the lump-sum payment.