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Bruce Rauner, Governor

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   Death Benefits Information  


Non-Occupational Death Benefit

If your death results from a non-work related cause, your eligible survivors and beneficiaries may qualify for benefits.

Social Security

All Social Security benefit claims must be made directly to the Social Security Administration. You will need to provide your Social Security number and proof of age.

Death Before Retirement

If you die while actively employed and have at least 18 months of service, your qualified survivors will be eligible for benefits. (see survivor benefits below)

If you die with no qualified survivors while actively employed, your named beneficiary(ies) will receive a non-occupational death benefit consisting of your contributions, plus interest, and one month’s salary for each year of service, up to a maximum of six months’ salary. In order to receive any benefit, your beneficiary must apply for it. All benefit claims should be made to the Claims Division. All SERS records are maintained according to the member's Social Security number. Make sure the member's Social Security number is correct when filing a claim.

All benefit claims and appeals are reviewed by the SERS Executive Committee of the Board of Trustees. If your claim is denied, or you question the payment of any benefit, you or your representative may file a written appeal or request a hearing before the Executive Committee.

Survivor Benefits

In order to receive any survivor benefit, your survivor must apply for it. All benefit claims should be made to the Claims Division. After your survivor begins receiving benefits (s)he should notify SERS if there is a change of address. All SERS records are maintained according to the member's Social Security number. Make sure the member's Social Security number is correct when filing a claim.

All benefit claims and appeals are reviewed by the SERS Executive Committee of the Board of Trustees. If your claim is denied, or you question the payment of any benefit, you or your representative may file a written appeal or request a hearing before the Executive Committee.

Eligibility

If your death results from a non-work related cause, your eligible survivors and beneficiaries may qualify for benefits

Your Spouse

If you are survived by your spouse age 50 or over, and you were married at least one year prior to your death, (s)he will receive $1,000, plus a monthly annuity up to a maximum of $400.

(S)he will receive this benefit until death. If 50% of your earned pension provides a greater monthly benefit than the amounts stated above, the higher amount is payable to your spouse.

Your Spouse and Children

If your spouse supports your children under age 18 (22 if full-time student), or a disabled child over 18, (s)he can receive benefits before age 50. (S)he will receive $1,000, plus a monthly annuity up to a maximum of $600.

This benefit is payable until your the last child reaches age 18 (22 if full-time student), marries, dies, or is no longer disabled. If 50% of your earned pension provides a greater monthly benefit than the amounts stated above, the higher amount is payable to your family.

Your Children

If you are not survived by a spouse, but have children under age 18 (22 if full-time student), or over 18 and disabled, they can receive $1,000 plus a monthly annuity up to a maximum of $600.

This benefit is payable until the last child reaches age 18 (22 if full-time student), marries, dies, or is no longer disabled. If 50% of your earned pension provides a greater monthly benefit than the amounts stated above, the higher amount is payable to your children.

Your Dependent Parents

If your spouse or children do not survive you, your dependent parents may be eligible for benefits.

Annual Increase

The survivor benefit is increased 3% on each January 1, following the first anniversary of the benefit.

Death After Retirement

If you die after retiring, survivor benefits are subject to the same maximums as those payable during active employment, or 80% of the pension you were receiving when you died, whichever is less.

If 50% of your pension provides a greater monthly benefit than the amounts stated above, it is payable to your survivors. If you have no survivors, your beneficiary(ies) will receive any remaining contributions and interest, or $500, whichever is greater.

In order to receive any benefit, your beneficiary must apply for it. All benefit claims should be made to the Claims Division. All SERS records are maintained according to the member's Social Security number. Make sure the member's Social Security number is correct when filing a claim.

All benefit claims and appeals are reviewed by the SERS Executive Committee of the Board of Trustees. If your claim is denied, or you question the payment of any benefit, you or your representative may file a written appeal or request a hearing before the Executive Committee.

In the unlikely event that you, your survivors, and your beneficiaries, die before the full value of your account (your contributions and interest) has been depleted, the balance will be paid to your estate.

Death After Termination

If your death occurs after termination of state employment, but before retirement benefits begin, you must have eight years of service for your survivors to qualify for survivor benefits.

The survivor benefits payable are subject to the same maximums as those payable during active employment, or 80% of the pension amount you were eligible to receive when you died, whichever is less.

If 50% of your earned pension provides a greater monthly benefit than the amounts stated above, it is payable to your survivors.

If you die after termination with no survivors, or with less than eight years of service, your named beneficiary(ies) will receive your contributions and interest. In order to receive any benefit, your beneficiary must apply for it. All benefit claims should be made to the Claims Division. All SERS records are maintained according to the member's Social Security number. Make sure the member's Social Security number is correct when filing a claim.

All benefit claims and appeals are reviewed by the SERS Executive Committee of the Board of Trustees. If your claim is denied, or you question the payment of any benefit, you or your representative may file a written appeal or request a hearing before the Executive Committee.

Widow's Annuity

If you were a member of SERS before July 19, 1961, and die leaving a surviving widow, she may have the option of taking a widow’s annuity rather than a survivors’ benefit.


Occupational Death Benefit

If your death results from a work related cause, your eligible survivors and beneficiaries may qualify for benefits.

In order to receive any occupational death benefit, your survivor must apply for it. All benefit claims should be made to the Claims Division. After your survivor begins receiving benefits (s)he should notify SERS if there is a change of address. All SERS records are maintained according to the members Social Security number. Make sure the members Social Security number is correct when filing a claim.

All benefit claims and appeals are reviewed by the SERS Executive Committee of the Board of Trustees. If your claim is denied, or you question the payment of any benefit, you or your representative may file a written appeal or request a hearing before the Executive Committee.

Eligibility

If you die from a work-related injury or illness, as determined by the Workers Compensation Commission, your survivors are eligible for an occupational death benefit.

If you have no qualified survivors, your nominated beneficiary(ies) will receive your contributions and interest, and one month’s salary for each year of service, up to a maximum of six month's salary.

Benefits are paid to qualified survivors. These amounts are reduced by any payments awarded under the Workers’ Compensation Act, or the Workers’ Occupational Diseases Act.

Your Spouse

If you are survived by your spouse, (s)he will receive a monthly annuity equal to 50% of your salary. This benefit is payable until death.

Your Spouse and Children

If your spouse has your children under his/her care who are under age 18 (22 if full-time student), or a disabled child over age 18, they can receive benefits up to a maximum of 75% of your salary. This benefit is payable until your spouse dies, or your last child reaches age 18 (22 if full time student), marries, dies, or is no longer disabled.

Your Children

If you are not survived by a spouse, but have children under age 18 (22 if full-time student), or over age 18 and disabled, they can receive a monthly annuity, up to 50% of your salary. This benefit is payable until the last child reaches age 18 (22 if full-time student), marries, dies, or is no longer disabled.

Your Dependent Parents

If your spouse or children do not survive you, your dependent parents may be eligible for benefits.

Annual Increase

The occupational death benefit is increased 3% each January 1, following the first anniversary of the annuity.


Non-Occupational Death Benefit

Social Security
Death Before Retirement
Survivor Benefit
Eligibility
Your Spouse
Your Spouse and Children
Your Children
Your Dependent Parents
Annual Increase
Death After Retirement
Death After Termination
Widow's Annuity

Occupational Death Benefit

Eligibility
Your Spouse
Your Spouse and Children
Your Children
Your Dependent Parents
Annual Increase
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