What happens to my Retirement Savings Account(s) if I die?

In the event of your death, as an active member of CERS, the value of your Retirement Savings Account(s) will be become payable to your beneficiaries.  There may be an additional lump sum and spouses pension payable.  Please refer to your member booklet.  Under the Trust, the Trustee have absolute discretion as to who a Death Benefit is payable.

Subject to Revenue limits, part of the benefit (approximately four times your salary) could be payable as a lump sum. The balance (if any) would be payable in the form of pension(s) to your Beneficiaries. You may if you wish fill out the Nomination Form (available on our Forms page), to assist the Trustee in exercising this discretion. The Nomination Form would not however be binding on the Trustee.

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