Changes to the public service Supplementary Death Benefit Regulations and what it means for you

Recent changes have been made to modernize the public service Supplementary Death Benefit. As of June 1, 2024, if you currently have coverage under the death benefit, you can name up to 5 beneficiaries, including minors.

What is the Supplementary Death Benefit?

The death benefit is similar to a decreasing term life insurance benefit paid to your beneficiaries when you die. It’s a lump-sum benefit equal to twice your annual salary, rounded up to the nearest $1,000. The death benefit applies to most public servants who contribute to the public service pension plan. Deductions are taken directly from your pay or pension.

Naming beneficiaries

Your current beneficiary is still valid. If you wish to keep your current beneficiary, no action is required on your part.
A beneficiary can be an individual, your estate, and/or a registered charity.

Active members

The updated Active Member Pension Portal (available only on the Government of Canada network) allows you to electronically name, view, and change your beneficiaries online. Only designations made in the portal will be displayed. Paper designations will not be displayed.

Alternatively, you can complete and mail the updated Naming or Changing Your Beneficiaries (PWGSC-TPSGC 2196) designation form.

Retired members and members of Crown Corporations

If you wish to name or update your beneficiaries, complete and mail the updated Naming or Changing Your Beneficiaries (PWGSC-TPSGC 2196) form.

Payments to your beneficiaries

Upon your death, the benefit will be divided equally among your named beneficiaries. Each beneficiary will be notified only of the amount they’re entitled to receive. They won’t be informed of the total benefit amount or if other beneficiaries exist.
It’s important to keep your beneficiaries up to date to make sure all benefits are paid correctly and in a timely manner.

More information

Questions should be directed to the Government of Canada Pension Centre.

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