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Death of a Retired Member, Spouse/Pension Partner or Designated Beneficiary

There could be a change to how a pension benefit is paid when a retired member, spouse/pension partner or designated beneficiary passes away, depending on the pension option selected.

All retired members should keep their beneficiary designations up to date. If a designated beneficiary passes away (while the retired member is living), a new beneficiary should be named as soon as possible. After a retired member has passed away, his or her beneficiary designation cannot be changed, even by a person with Power of Attorney.

Single Life Pension (no guarante​​e period)

This type of pension is intended for the life of the retired member only.

The benefit payment ceases with the death of the retired member.

Single Life Pension (with a guarantee peri​od of 5, 10 or 15 years)

This type of pension is intended for the life of the retired member only, but if a specified number of payments have not been made by the retired member’s death (the guarantee period), the payments continue.

​If a retired member receiving an ATRF benefit passes away before the end of the guarantee period, the payment continues to the named beneficiary until all of the guaranteed payments have been made. If the retired member passes away after the end of the guarantee period, the pension ceases.​

Joint Life Pension (with a guarantee period of five y​​​ears)

This type of pension is intended to continue payments to the retired member’s spouse/pension partner when the retired member passes away.

  • If the retired member receiving the ATRF benefit passes away, the payment continues to the spouse/pension partner until the time of his or her death.
  • If both the retired member and his or her spouse/pension partner pass away before the end of the guarantee period, the benefit continues to the named beneficiary to the end of the five-year guarantee period.
  • ATRF must be notified of the death of a spouse/pension partner. In the case of a Joint Reducible pension, the benefit payment has to be recalculated. For more information about Joint Reducible pensions, see Pension Options.

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