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Post Death

Post death

When a retired member passes on, two types of benefits are provided by PSPF to the remaining beneficiaries.

1. Funeral Benefit - Next of kin should report to the nearest PSPF offices with the Pension Card and Death Certificate of the deceased retiree/principal pensioner

2. Monthly Pension Benefit: Spouse/s A legally married surviving spouse earns 50% of the retiree’s monthly pension as his/her monthly annuity until the time of their death or remarriage, whichever comes first. If there were more than one spouses legally married to the deceased retiree, they all share the 50% equally amongst themselves. Spouses who decide to remarry after the retiree’s death are obliged by law to inform the Fund by form of the new marriage certificate or a self-declaration affidavit in case no marriage certificate has been registered yet. Spouses who fail to inform the Fund about their remarriage and continue to draw monies as spouses of the retiree after the remarriage are committing fraud and shall be subjected to the law for their act.

Children below 21 years or (below 25 years still attending formal education full time) - No Surviving Spouse/s alive

Children that fit the above category will earn a monthly annuity equally to 20% of the retiree’s monthly pension. The 20% is applicable if the number of children is five or below. Should the number of children exceed five, they will share the 100% of the retiree’s monthly annuity equally amongst themselves.

- Surviving Spouse Alive Children that fit the above category will earn a monthly annuity equally to 10% of the retiree’s monthly pension. The 10% is applicable if the number of children is five or less. Should the number of children be more than five, they will share 50% of the retiree’s monthly annuity equally amongst themselves. Children above the age of 21 years and not attending formal education on full time bases during the time of death of the retiree do not qualify for the monthly annuity, but should they decide to enroll to formal education on a full time bases while they are below the age of 25 years, they qualify for the monthly annuity for such time they are still at school. Children of the retiree who are above 21 years and have been examined by a medical doctor at a reputable medical facility and were determined to be 100% permanently disabled and their condition confirmed by the PSPF Board of Directors, will qualify to receive monthly annuities as per the rates mentioned above, depending on which category they fall under until their time of death.