When an OMERS Member Dies After Retirement

OMERS Member Services needs to be notified of the member's death as soon as possible to start the survivor benefit process. 
We will need to know:

  • the deceased member's name
  • the OMERS reference number or social insurance number
  • the date of death.

When a retired OMERS member dies after their OMERS pension has started, benefits are payable in this order of entitlement:

Relationship to you Type of Benefit
1. Your retirement-date spouse (or post retirement-date spouse if there is no eligible retirement-date spouse) is first in line for a survivor pension.

Survivor pension

  • 66 2/3% of the lifetime pension you were receiving at the date of death;
  • plus a further 10% for each eligible dependent child, up to a total of 100% of your lifetime pension.

This pension:

  • is guaranteed for life (it does not stop if the surviving spouse remarries);
  • is indexed to inflation; and
  • does not include the OMERS Plan bridge benefit.
2. If there is no retirement-date spouse or post-retirement-date spouse, a pension will be paid to any eligible dependent children for as long as they are eligible.

Children’s pension

Equal to the greater of:

  • 66 2/3% of the lifetime pension you were receiving at the date of death; or
  • the survivor’s pension the spouse was receiving at their date of death (less any entitlement for eligible children).

This pension:

  • is divided equally among the eligible children and is paid to, or on behalf of, each child (when a child is no longer eligible, the benefit is redistributed among the remaining eligible children);
  • is indexed to inflation; and
  • does not include the OMERS bridge benefit.
3. If there is no retirement-date spouse, post-retirement-date spouse or eligible dependent children, your designated beneficiary(ies) on file may be entitled to a residual refund. (To register a beneficiary, you must complete a paper Form).

The residual refund is the total of your OMERS contributions plus interest, minus any pension paid to you and/or your survivors.

Note: After about five years of retirement, most members have received pension payments equal to their contributions plus interest, so there may not be a residual refund.
4. If there is no retirement-date spouse, post-retirement date spouse, eligible dependent children or designated beneficiaries, the residual refund of the pension may be paid to your estate. See the description in #3.

In the case of benefits for a minor child, benefits of $10,000 or less can be paid to the adult who has custody of the child; benefits over $10,000 are subject to Guardianship of Property rules. The benefit is payable for the period that the child is eligible.