Becoming a survivor—Survivor/dependant: Royal Canadian Mounted Police pension
As survivors of an Royal Canadian Mounted Police (RCMP) plan member, you and your eligible children may be entitled to survivor benefits and child allowances under the RCMP Pension plan and may have coverage under the group insurance plans. The following information is intended to provide you with an understanding of your benefits.
In the event of a plan member's death, the Government of Canada Pension Centre should be notified immediately. If the plan member was still employed by the RCMP, National Pay Operations should be contacted at 1-866-729-7293 for information on other possible pay-related benefits.
You may want to know…
What should you do first as the survivor of a deceased member of the Royal Canadian Mounted Police Pension Plan?
You must immediately notify the Government of Canada Pension Centre. A qualified pension expert will confirm whether benefits are payable under the RCMP Pension Plan and how to apply for these benefits. If eligible, you will also have the opportunity to obtain medical and dental coverage.
Following a plan member's death, who is entitled to benefits? What are the specific benefits?
In addition to the survivor benefit eligible children may be entitled to a child allowance under the RCMP Pension Plan. Full-time students between the ages of 18 and 25 are paid directly.
If there is no survivor or eligible child, the RCMP Pension Plan provides for a Minimum benefit payable to the designated beneficiary or, in the absence of such a beneficiary, to the deceased member's estate.
Any applicable life insurance and accidental death or dismemberment insurance amounts will be payable to the designated beneficiary under these insurances. In the absence of a designated beneficiary Great-West Life pays the benefit based on the line of succession for the province in which the plan member lived. Contact Morneau Shepell, the RCMP Insurance Administrator at 1-800-661-7595 to find out more.
If the plan member's death is a result of his/her service with the RCMP, the survivor or eligible children may be entitled to benefits under the Survivor Income Plan (SIP). The Pension Act is administered by Veterans Affairs Canada and provides a tax free benefit to the spouse and children of RCMP members in the case of a duty-related death. Your survivors should contact Veterans Affairs Canada to find out if they qualify for a benefit under the Pension Act. A favourable decision under the Pension Act also qualifies your survivors to the SIP.
This program provides an income top-up to the spouse and children of members in the case of a duty-related death. Contact Veterans Affairs Canada to find out if you qualify at 1-866-522-2122. For more information, contact the Pension Centre.
Are there instances where the surviving spouse is not entitled to the survivor benefit under the Royal Canadian Mounted Police Pension Plan?
Yes. A surviving spouse is not entitled to a survivor benefits in the following cases:
- At the time of death, the member was not vested and had less than two years of pensionable service
- The plan member's death occurred in the first year of marriage unless shown that there was reasonable expectation of the member surviving at least one year after the marriage
- At the time of the plan member's death, you were divorced from the plan member
- Your marriage / common-law relationship began after the member reached age 60, unless the member became or continued to be a contributor or elected for Optional Survivor Benefits (OSB) for a married spouse
- The surviving spouse is found to be criminally responsible for the death of the plan member
Are there instances where children are not entitled to survivor benefits under the Royal Canadian Mounted Police Pension Plan?
Yes. A child is not entitled to a survivor benefits in the following cases:
- He/she was born, adopted or became the plan member's stepchild after the member's 60th birthday unless the member continued to be an active contributor to the RCMP Pension Plan or
- He/she is between the ages of 18 and 25 and not considered a full-time student
Who will receive the benefits if the plan member did not designate a beneficiary?
If there are no survivors and no beneficiary was designated, the benefits will be paid to the deceased member's estate.
For group life insurances with no designated beneficiary Great-West Life pays the benefit based on the line of succession for the province in which the plan member lived.
What documents are required when submitting a claim for Royal Canadian Mounted Police Pension Plan benefits?
The following table provides a summary of the documents required by the Government of Canada Pension Centre in support of a claim for survivor benefits under the Royal Canadian Mounted Police Superannuation Act (RCMPSA)
|If you are the…||You need to provide…|
|Legal spouse (legally married to the plan member)||
|Eligible child under age 18||
|Eligible child 18 years of age or older but under 25 years of age||
Where do you send the claim documents?
You must send the required documents to the Government of Canada Pension Centre.
How is the survivor benefit paid?
The Survivor benefits are paid in monthly installments for life.
Through direct deposit, the benefit is deposited in your bank account on the third last banking day of the month. Direct deposit is preferable and more secure but if you choose payment by cheque, you should receive it by the end of each month.
How is the child allowance paid?
For a child under the age of 18, the child allowance is normally paid to the survivor on behalf of the child.
Payment is made to the person who has custody of the child when:
- The child does not live with the survivor
- The survivor's death occurs while the child is still eligible for the child allowance
The allowance is paid directly to the child if he/she is older than 18 years of age and less than 25 years of age and a full-time student.
Are the survivor benefit and child allowance protected from inflation?
Yes. On January 1, the amounts are adjusted based on the cost of living.
When do survivor benefits end?
Payment of the Survivor benefits ceases on the survivor's death.
The child allowance is paid to each child as long as he or she remains eligible to receive it. Normally, this means:
- Until the month in which the child turns 18 years of age or
- If 18 or older, until the child stops attending an educational institution full-time or turns 25, whichever comes first
Is your survivor benefit affected by the coordination of benefits with the Canada Pension Plan / Quebec Pension Plan?
Survivors' benefits are not subject to an adjustment at age 65 due to the Canada Pension Plan / Quebec Pension Plan Coordination. Survivor benefits are normally equal to half of the plan member's pension entitlement; that is, half of the plan member's pension when calculated before any adjustments. As a survivor, you can receive benefits under the Canada Pension Plan (CPP) / Quebec Pension Plan (QPP) and also receive a full survivor benefit under the RCMP Pension Plan.
Are you eligible for the public service group insurance plans? If so, when does coverage take effect?
In general, the survivor of a deceased plan member who is entitled to a survivor benefit under the RCMP Pension Plan is also eligible for coverage under the Public Service Health Care Plan and the Pensioners' Dental Services Plan at a glance. Coverage is also available to eligible family members.
Participation in these plans is optional and the Government of Canada Pension Centre can provide information on how to join.
If there is no surviving spouse, eligible children (including full-time students) who are entitled to a child allowance are normally eligible for coverage under both these plans.
If the deceased member had family coverage under the Public Service Health Care Plan, coverage will be continuous if the survivor applies within 60 days of the member's death.
If the deceased member was not covered by the Public Service Health Care Plan, or did not have family coverage, such coverage can be obtained but it will not take effect until three months after the application is received.
You can be covered by the Public Service Health Care Plan and the Pensioners' Dental Services Plan at a glance even if you do not reside in Canada. For more information, please contact the Government of Canada Pension Centre.
Important note for residents of Quebec
If you are a Quebec resident, you are automatically covered by law under the prescription drug insurance plan of La Régie de l'assurance maladie du Québec (RAMQ) once you reach 65 years of age.
In July 2001, the Superior Court of Quebec determined that federal employees are entitled to coverage under both RAMQ and the Public Service Health Care Plan.
For further information on coverage under the RAMQ plan or to find out how to cancel your enrolment in this plan, please refer to the Régie de l'assurance maladie du Québec (RAMQ) website.
Does the Public Service Health Care Plan continue to cover the same expenses as those covered before the plan member's death?
Yes. Coverage under the Public Service Health Care Plan is the same.
Does the Pensioners' Dental Services Plan continue to cover the same expenses as those covered before the plan member's death?
If the plan member was still employed at the time of death, your dental service plan as a dependent is different from the Pensioners' Dental Services Plan at a glance available to survivors. Consequently, the expenses covered, the percentages and the reimbursement maximums may be different.
If the member was retired and covered by the Pensioners' Dental Services Plan at a glance, the coverage remains the same.
When does coverage end under the public service group insurance benefit plans?
A person receiving a survivor benefit remains covered by the Public Service Health Care Plan and the Pensioners' Dental Services Plan at a glance as long as he/she pays the required contribution and continues to receive an RCMP pension benefit.
Children, including full-time students, receiving a child allowance remain covered by the Public Service Health Care Plan and the Pensioners' Dental Services Plan as long as they are eligible children/dependent and the required contribution is paid.
When the survivor dies, Pensioners' Dental Services Plan coverage ends for all family members.
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