In all cases, a pre-retirement survivor's benefit is payable for the life of the surviving spouse.
Additional benefits may be payable to the dependent children of the deceased member if the member was currently working for a LAGERS employer at the time of their death, and surviving spouse benefits are not payable. (A child is considered to be ‘dependent’ until death, marriage, or attainment of age eighteen, whichever occurs first. The age eighteen maximum shall be extended as long as the child is uninterruptedly a full-time student at an accredited secondary school, college, or university up to age twenty three. Click here for a full definition of 'dependent child'.) Dependent child benefits are calculated as sixty percent of the deceased member’s monthly benefit, and are divided equally between all dependent children of the deceased.
The temporary allowances payable under any of the LT (life and temporary) benefit plans do not apply to survivor's benefits.
If a member is vested in LAGERS, is no longer working for a LAGERS employer, and dies:
The spouse of the deceased would be eligible to receive a survivor benefit if he or she had been married to the deceased member for at least two years prior to the member’s death. The benefit would be payable beginning on the date when the deceased member would have attained his or her normal retirement age, or the first of the month following the date of death, whichever is later.
If a member is vested in LAGERS, is currently working for a LAGERS employer, and dies as a result of a non-duty-related injury or illness:
The spouse of the deceased would be eligible to receive a survivor benefit if he or she had been married to the deceased member for at least two years prior to the member’s death. The two year requirement is waived if the member’s death was accidental.
If a LAGERS member is currently working for a LAGERS employer and dies as a result of a duty/job-related injury or illness:
The deceased member does NOT need to be vested at time of death for a survivor benefit to be payable.
LAGERS provides survivor benefits for LAGERS members to help provide financial security for a member's dependents in the event of a member's death.
A surviving spouse or dependent children of a LAGERS member who dies before retirement may be entitled to receive a survivor benefit. Whether or not a benefit is payable and how any applicable benefit is calculated depends on the nature of the death and member’s LAGERS status at the time of his or her death.
Return to Summary of Benefits
When there is neither a surviving spouse, nor dependent children, no monthly survivor benefit is payable. If, however, the deceased member made contributions to the LAGERS system, and there is no surviving spouse or dependent children, any of the member's remaining contributions plus interest would be refunded to his or her named beneficiary or estate.
Why do you ask for my beneficiaries?
State law dictates who will be eligible to receive a survivor benefit from LAGERS regardless of who you have listed as your beneficiary(ies). In the event that there is no monthly survivor benefit payable, LAGERS will pay to your beneficiary of record any contributions (if applicable) you have remaining in the system, plus interest.
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