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Death Benefits

Upon your death, your survivor should notify both the Office of Retirement Services and Voya Financial® so any survivor benefits available from the Pension and Savings Components of your plan can be determined and paid to your beneficiaries.


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Duty Death

Nonduty Death

Savings Component

Your retirement plan provides protection for your dependents if you die while an enlisted state police officer. Eligibility and calculations depend on whether your death is considered duty or nonduty.

Duty Death 

Your family may be eligible for a duty survivor pension if you are killed in the line of duty, or die from injuries or an illness resulting from your occupation with the Michigan State Police. Eligibility for survivor benefits starts the first day of the month following your death.

Eligible recipients

  • If you are married with children under age 18, your spouse will receive full survivor benefits for his or her lifetime. In addition, your children under age 18 will receive $100 per month.
  • If you are married with no children, your spouse receives full survivor benefits for his or her lifetime.
  • If you do not have a surviving spouse, or your surviving spouse dies, your children under age 18 will receive full survivor benefits divided equally between them. The survivor benefit will stop on their 18th birthdays and be divided equally between any other children under age 18. This recalculation continues until the youngest child reaches age 18.
  • If you have no spouse and no children under age 18, full survivor benefits can be payable to your mother or father, or both, if they were dependent on you for support. The survivor benefit stops when the dependency stops.
  • If a parent is not dependent on you for support when you die, any siblings under age 18 will receive $100 per month.
  • If you have no dependents, your estate will receive any personal contributions, plus interest, you may have on account, or $1,500, whichever is greater.

Calculation

The amount of the survivor benefit is your years of service (up to the first 25 years) times 2% times your final average compensation (FAC). For each year over 25 years of service, the pension factor declines by 0.4 percent until it reaches 0 percent at 30 years of service. The reduced pension factor applies only to years 26 through 30, not the first 25 years. In addition to the survivor benefit, the retirement board pays up to $1,500 for funeral expenses.

Conditions

The survivor benefit, in addition to any weekly workers' compensation, cannot exceed your five-year average annual salary immediately before your death.

To apply

Your survivor should contact ORS as soon as possible in the event of your death. We will review your account and determine what benefits are payable, if any, and to whom. If a benefit is payable, the appropriate person(s) will be notified and mailed the proper forms to complete.

Nonduty Death

Your family may be eligible for a nonduty survivor pension if you were a deferred member or active member with ten or more years of service, and you die before you are eligible to receive a pension.
If you die as an active member, eligibility for survivor benefits starts the first day of the month following your death.
If you die as a deferred member, the benefit is payable the first of the month following the date you would have reached age 50.

Eligible recipients — active member at death

  • If you are married, your surviving spouse will receive full nonduty survivor benefits until his or her death.
  • If you do not have a surviving spouse, or your surviving spouse dies, your children under age 18 will receive the full survivor benefit divided equally between them. The survivor benefit will stop on their 18th birthdays and be divided equally between any other children under age 18. This recalculation continues until the youngest reaches age 18.
  • If you have no dependents, your estate will receive any personal contributions plus interest you may have on account.

Eligible recipients — deferred member at death

  • If you are married, your surviving spouse will receive full nonduty survivor benefits beginning the first of the month following the date you would have reached age 50 until his or her death. No additional benefits are payable to minor children or dependents.
  • If you do not have a surviving spouse, your estate will receive any personal contributions, plus interest, you may have on account.

Calculation

A nonduty survivor benefit is your years of service (up to the first 25 years) times 2% times your final average compensation (FAC). For each year over 25 years of service, the pension factor declines by 0.4 percent until it reaches 0 percent at 30 years of service. The reduced pension factor applies only to years 26 through 30, not the first 25 years.

Conditions

Your surviving spouse or dependent children cannot receive a nonduty survivor benefit if any other benefits are paid under Public Act 182 of 1986.

To apply

Your survivor should contact ORS as soon as possible in the event of your death. We will review your account and determine what benefits, if any, are payable, and to whom. If a benefit is payable, the appropriate person(s) will be notified and mailed the proper forms to complete. 

 

Voya® will retrieve the latest beneficiary designation information on your account and send account balance and payout information to the beneficiary(ies) on record. Be sure to keep your beneficiary designations up-to-date!

Payout options upon your death are determined by several factors including who is named as beneficiary (spouse vs. non-spouse) and whether Required Minimum Distribution (RMD) payments have already begun from the account. Call Voya at (800) 748-6128 to get specific details. 

In the event of your death, your beneficiary would need to send a Beneficiary Payout Form and certified death certificate to Voya.

Voya will retrieve the latest beneficiary designation information on your account and send account balance and payout information to the beneficiary (ies) on record. Be sure to keep your beneficiary designations up-to-date!

 
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