Supplementary death benefit


Canadian Forces Superannuation Act (R.S.C., 1985, c. C-17), Sections 60 - 73


The Supplementary Death Benefit (SDB) is a benefit similar to term life insurance. This plan requires mandatory contribution from its participants.


Beneficiaries of all members of the Regular Force and qualifying members of the Reserve Force on Class C Service are eligible for the SDB.


Under the SDB Plan, the member may designate a beneficiary as provided by the regulations. If no beneficiary is named, the benefit is payable to the member's estate. The benefit is equal to twice the member's salary on release, rounded up to the nearest $250. For example, if the annual salary was $41,024, the SDB would be $82,250.

Payment of benefits under the SDB Plan is arranged by Director Canadian Forces Pension Services (DCFPS) at National Defence Headquarters (NDHQ) and normally is made to the surviving spouse within seven to ten days of receipt of notification of death. These payments are mailed through regular mail service via Canada Post. 

If the SDB beneficiary is other than the spouse, a claim form is sent to the beneficiary from DCFPS. The SDB payment will then be paid by DCFPS immediately upon receipt of the completed claim form. These payments are mailed through regular mail services via Canada Post. 


The DCFPS administers benefits available under the SDB Plan. Contact DCFPS toll free at 1-800-267-0325 or 613-971-6012.

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