UFCW Midwest - Midwest Health and Pension Funds

United Food & Commercial Workers

Unions and Employers

Midwest Health and Pension Funds

Survivor Benefits before You Retire

A “Pre-Retirement Survivor Benefit” may be payable to your surviving spouse or dependent children if you are vested and die before you receive any payments from the Pension Plan (other than a Disability Pension).

Survivor Pension

A Survivor Pension is payable if your death occurs while you are working in Covered Employment (or within two years of when you last worked in Covered Employment).

Your surviving spouse will receive a monthly pension for life beginning on the first of the month after your death.

If you are not married at the time of your death or if your spouse dies, the Survivor Pension is divided equally among your surviving dependent children. Each child will receive the Survivor Pension until he or she marries, dies or reaches age 18.

The amount of the Survivor Pension is 50% of your Normal Pension calculated as of the date of your death. If your spouse is more than five years younger than you, the amount will be reduced because of the longer expected payment period.

Spouse Pension

A Spouse Pension is payable if your death occurs more than two years after you last worked in Covered Employment.

Your surviving spouse will receive a monthly pension for life beginning on the first of the month after your death or, if later, the first of the month after you would have reached age 55.

If you are not married at the time of your death, no benefit is payable.

The amount of the Spouse Pension is the same as if you had elected the 50% Joint and Survivor Pension and retired on your date of death or, if later, when you would have reached age 55.

  

(Updated 05/01/13)