Termination of Employment - Death in Service - two (2) years or more of pensionable service - Survivor

PROTECTED

Date
Name Survivor
Street
City
Province
Postal code

Dear INSERT APPROPRIATE NAME:

Please accept our sincere condolences for the death of INSERT EMPLOYEE'S NAME.

The following information will help you understand your entitlements and benefits.

Payments are made to the estate or to a person entitled by law to share in INSERT EMPLOYEE'S NAME's estate and are subject to income tax withholding.  However, an amount up to $10,000 is tax free.

Supplementary Death Benefit (SDB)

This is a life insurance type benefit, equal to twice the annual rate of pay (rounded up to the next multiple of $1,000), paid to the estate or the person named by the deceased as their beneficiary.

(NOTE TO COMPENSATION ADVISOR:  TO PERSONALIZE THIS LETTER, YOU MUST SELECT ONE OF THE FOLLOWING AND DELETE THE OTHER, INCLUDING THIS NOTE)

As you are the designated beneficiary, you are entitled to $0000.00. This payment is a non-taxable benefit.

OR

Unfortunately, you are not the designated beneficiary.

SDB Arrears

As INSERT EMPLOYEE'S NAME was on leave without pay, contributions for this coverage are outstanding in the amount of $0000.00.  This amount can be reimbursed by:

1.       cheque or money order made payable to the Receiver General for Canada for the full amount; 

2.       deduction of the full amount from any lump sum payments; or

3.       deduction from your monthly pension for a period of INSERT NUMBER OF MONTHS.

OR

Death Benefit

This is an entitlement representing two months of INSERT EMPLOYEE'S NAME's salary, paid to the surviving spouse or any other person as determined by Treasury Board of Canada Secretariat.

Payment for Month of Death

(NOTE TO COMPENSATION ADVISOR:  TO PERSONALIZE THIS LETTER, YOU MUST SELECT ONE OF THE FOLLOWING AND DELETE THE OTHER, INCLUDING THIS NOTE)

The estate is entitled to salary for the month of INSERT APPROPRIATE MONTH. The amount is $0000.00 (gross), covering the period from INSERT DATE to INSERT DATE.

OR

As INSERT EMPLOYEE'S NAME was on leave without pay, two payments will be issued for salary for the month of INSERT MONTH OF DEATH:

First cheque (up to and including INSERT DATE OF DEATH) $000.00

Second cheque (after INSERT DATE OF DEATH)                  $000.00

Severance Pay

This is a lump sum payment of $0000.00 (gross) representing INSERT NUMBER weeks salary.

Leave Credits

The following earned but unused leave credits will be paid:

However, sick leave credits are not payable.

PENSIONS

Lock-in Provision

Employees are locked-in, as soon as they have accumulated two years of pensionable service.

Public Service Superannuation (PSSA)

You are entitled to receive a pension, payable from INSERT DATE OF DEATH based on INSERT NUMBER years of pensionable service.  The amount is estimated to be $000.00 gross per year or INSERT AMOUNT gross per month.

As INSERT EMPLOYEE'S NAME was making payments to buy back prior service, this service was automatically credited to his or her account with no further payments required. 

Children under 18 are entitled to a monthly pension.  Children between 18 and 25, who are full time students, may be entitled to a monthly pension.  They must have been a student since their 18^th birthday or on INSERT DATE OF DEATH, whichever is later.

In order to receive their monthly pension, estimated to be $000.00 (gross), the enclosed forms"Declaration of Attendance at an Educational Institute" and "Statutory Declaration" are to be completed and returned to me for further action.

Please note that the above estimates are subject to verification by the Pension Administrator.

PSSA Arrears

As INSERT EMPLOYEE'S NAME was on leave without pay, pension contributions are outstanding in the amount of $0000.00.  This amount can be reimbursed by:

1.       cheque or money order made payable to the Receiver General for Canada for the full amount; 

2.       deduction of the full amount from any lump sum payments; or

3.       deduction from your monthly pension for a period of INSERT NUMBER OF MONTHS.

Monthly pensions are payable on the 3^rd last banking day of each month.  A direct deposit service is offered providing the automatic deposit of monthly pensions to a financial institution. If you wish to take advantage of this service, you will need to complete the "Direct Deposit Enrolment Request" form and send it to me, along with a "voided" blank cheque. The first cheque will be issued as a supplementary payment and direct deposit should commence for the next cheque.

INSERT EMPLOYEE'S NAME's pension number is ######.  Once payment of the pension(s) begins, you will require this number, for any enquiries, which must be directed to the Pension Administrator at:

Public Works and Government Services Canada
Superannuation, Pension Transition and Client Services Sector
Annuitants Service Section
P.O. Box 5010
Shediac, New Brunswick
E4P 9B4
1-800-561-7930 (toll free)

Indexing

The Public Service Superannuation Act and the Supplementary Retirement Benefits Act provide for annual increases to your pension, based on the cost of living index, and are effective on January 1^st of each year.

Canada OR Québec Pension Plan

The Canada OR Québec Pension Plan provides survivor and death benefits.  Please contact the office nearest to you to obtain information and to apply for benefits.

Income Tax

Income tax (federal and provincial) will be deducted at source based on your province of residence (for non-residents, based on the country of residence).

Please complete the enclosed federal and provincial Personal Tax Credit  forms.

Enquiries should be made through Canada Revenue Agency and/or ministère du Revenu, Québec.

Public Service Health Care Plan (PSHCP)

You may apply for this coverage by completing the enclosed "Public Service Health Care Plan Pensioner Application"  form.  You will be assigned a new certificate number.  Deductions for this coverage are taken from your monthly pension and the rates are:

Note : For Québec residents, the employer’s portion of the contribution is considered a taxable benefit and is subject to Québec income tax.

Should you choose not to apply, coverage will cease at the end of INSERT MONTH. Enclosed for your information is a booklet on the Public Service Health Care Plan.

Dental Care Plan (DCP)

Coverage under this plan ceased on INSERT DATE OF DEATH.  However, certain dental treatments that began before INSERT DATE OF DEATH may continue to be covered if completed within 31 calendar days.  Please contact the Plan Administrator at:

CHOOSE ONE AND DELETE THE OTHERS

(For Employees posted outside of Canada)
Great-West Life Health & Dental Benefits
Foreign Benefit Payments
P.O. Box 6000
Winnipeg, Manitoba
R3C 3A5

OR

(For Québec residents other than the National Capital Region)
Great-West Life Health & Dental Benefits
Montréal Benefit Payments
Place Bonaventure
Suite 5800
800 de la Gauchetière St. W.
Montréal, Québec
H5A 1B9

OR

(For other Canadian residents)
Great-West Life Health & Dental Benefits
Winnipeg Benefit Payments
P.O. Box 6025, Station Main
Winnipeg, Manitoba
R3C 3C7

Pensioners' Dental Services Plan (PDSP)

You may apply for this coverage by completing the enclosed Enrolment form. Once completed, it must be mailed directly to the address indicated on the form. If you enroll within 60 days of INSERT DATE OF DEATH, you will become a member from that date. If you choose not to apply within the initial 60-day period, you will still have the opportunity to join the PDSP at a later date.

Monthly Contribution Rates:

Note : For Québec residents, the employer's portion of the contribution is considered a taxable benefit and is subject to Québec income tax.

Provincial Health Care Plan

British Columbia Medical Services Plan

As a resident of British Columbia, the monthly premiums for this plan may be deducted from your monthly pension.  Enquiries are to be directed to:

BC Medical Services Plan
Ministry of Health
Health Insurance, Stn Prov Govt
P.O. Box 9035
Victoria, British Columbia
V8W 9E3

(604) 683-7151
1-800-663-7100
http://www.healthservices.gov.bc.ca/insurance/

OR

Alberta Health Care Insurance Plan

As a resident of Alberta, in order to continue your coverage, please contact:

Alberta Health and Wellness
P.O. Box 1360 Station Main
Edmonton, Alberta
T5J 2N3
(780) 427-1432

Toll free for other areas of Alberta: dial 310-0000 then (780) 427-1432
http://www.health.gov.ab.ca/ahcip/AHCIP.html

OR

Blue Cross of Atlantic Canada

You may continue coverage by having premiums deducted from your pension. The rates are:

OR

Québec Blue Cross

You may continue coverage by having premiums deducted from your pension. The rates are:

Public Service Management Insurance Plan (PSMIP) - Life Insurance portion IF APPLICABLE

Enclosed you will find the following form for benefits under this plan:

PSMIP Claim for Death Benefit

COMP ADVISOR – IDENTIFY IAN ON APPLICABLE FORMS

Please complete the form and forward to Industrial Alliance.

Their mailing address is:

Industrial Alliance Insurance and Financial Services Inc.
522 University Avenue
Toronto, Ontario
M5G 1Y7
1-800-977-2117

Disability Insurance IF APPLICABLE

As INSERT EMPLOYEE'S NAME was in receipt of benefits under this plan, INSERT NAME OF COMPANY will issue a last payment for the month of INSERT MONTH OF DEATH.

Arrears IF APPLICABLE

As INSERT EMPLOYEE'S NAME was on leave without pay, contributions for this coverage are outstanding in the amount of $000.00.  This amount can be reimbursed by:

1.       cheque or money order made payable to the Receiver General for Canada for the full amount; or

2.       deduction of the full amount from any lump sum payments.

Sales Tax IF APPLICABLE

For Québec residents, a provincial sales tax of 9% is charged on insurance premiums.

OR

For Ontario residents, a provincial sales tax of 8% is charged on insurance premiums

Employment Insurance (EI) IF APPLICABLE

A Record of Employment detailing INSERT EMPLOYEE'S NAME's insurable earnings will be issued for record purposes only.

Union Insurance IF APPLICABLE

INSERT EMPLOYEE'S NAME had a deduction for a union-sponsored insurance with INSERT APPROPRIATE BARGAINING AGENT. To determine the status of this insurance, please contact them directly.

Canada Savings Bonds IF APPLICABLE

INSERT EMPLOYEE'S NAME had purchased Canada Savings Bonds through a deduction. To redeem the bonds please contact the administrator at:

Canada Savings Bonds
P.O. Box 2770, Station D
Ottawa, Ontario
K1P 1J7

By e-mail: csb@csb.gc.ca

1-800-575-5151
1-800-354-2222 TTY line

Credit Union IF APPLICABLE

INSERT EMPLOYEE'S NAME had a deduction of $000.00 being deposited to an account.  To make arrangements, please contact the credit union directly.

Self-Funded Leave IF APPLICABLE

INSERT EMPLOYEE'S NAME had a deduction of $000.00 with Desjardins or Alterna Savings.  A letter of authorization will be issued to them to release the deferred salaries.

Student Loan IF APPLICABLE

INSERT EMPLOYEE'S NAME had a deduction of $000.00 for the repayment of a student loan.  To make arrangements, you must contact Human Resources Skills Development Canada at:

Human Resources Skills Development Canada
Education Support/Canada Student Loans Program
Student Assistance Branch
P.O. Box 2090, Postal Station "D"
Ottawa, Ontario
K1P 6C6
1-888-815-4514 or
1-866-587-7452
1-866-587-7453 fax

Recreational Association (RA) IF APPLICABLE

INSERT EMPLOYEE'S NAME had a deduction for membership at the RA.  To make alternate arrangements, please contact the RA at:

Recreational Association
2451 Riverside Drive
Ottawa, Ontario
K1H 7X7
(613) 733-5100

Government of Canada Workplace Charitable Campaign (GCWCC) IF APPLICABLE

INSERT EMPLOYEE'S NAME had a deduction for GCWCC. Should you wish to complete the pledge, you can make payments directly to:

Government of Canada Workplace Charitable Campaign
C/O United Way
363 Coventry Road
Ottawa, Ontario
K1K 2C5

Attn: Director
(613) 228-6700
(613) 228-6730 fax

Garnishee Summons IF APPLICABLE

All garnishments stopped on INSERT DATE OF DEATH. 

Other Deductions IF APPLICABLE

INSERT EMPLOYEE'S NAME had a deduction for the INSERT APPROPRIATE INFORMATION. To make arrangements, you must contact INSERT APPROPRIATE INFORMATION.

Overpayments

The following overpayments will be recovered from the first available funds that become due and payable to the estate. If there are insufficient funds, a cheque will be required in order to settle any outstanding amounts.

The issuance of INSERT NAME OF EMPLOYEE's next pay cheque, resulted in an overpayment of:

On-going overpayment not fully paid:

Retroactive Pay Revisions IF APPLICABLE

Should there be a retroactive salary revision, the estate would be entitled to the retroactive payments. Please complete the attached "Request for Payment of Retroactive Salary Revision"  and return it to me.

Income Tax Slips

As required by the Income Tax Act, information slips will be issued.

Federal Superannuates National Association (FSNA)

The FSNA is a non-profit organization bringing together pensioners from the Public Service, the Canadian Forces and the RCMP as well as spouses and surviving spouses of these pensioners. The association advocates measures beneficial to its members and ensures that pensioners are kept informed with regard to their rights. If you are interested in joining this organization, you can contact their head office at the following address:

Federal Superannuates National Association
1052 St. Laurent Blvd.
Ottawa, ON
K1K 3B4

(613) 745-2559
(613) 745-5457 fax

Internet e-mail: info@fsna.com

Internet site : http://www.fsna.com

Any outstanding cheques/stubs or related statements, such as income tax information slips, will be forwarded to your home address, unless advised otherwise. It is, therefore, important that you advise our office of any change of home address.

Please ensure that you quote INSERT EMPLOYEE'S NAME's PRI (INSERT EMPLOYEE'S PRI) on all correspondence with this office and quote your pension number on all correspondence with the Pension Administrator.

Should you require additional information, do not hesitate to contact me at (###) ###-#### or by e-mail INSERT E-MAIL ADDRESS.

Sincerely,

Compensation and Benefits Advisor

c.c. Employee file