Beneficiary & Survivor Benefits

If you die before you leave State of Minnesota employment

Surviving spouse coverage

If an active member of
State Patrol Plan dies and . . .

 Surviving spouse coverage

Under age 55 with at least 3 years of service (or 5 years if hired after 6/30/2013) 

Spouse is entitled to a benefit for life equal to 50% of your average monthly ve salary. When you would have reached age 55, your spouse receives the 100% Joint-and-Survivor benefit option if it is higher.

At least age 55 or over with at least 3 years of service (of 5 years if hired after 6/30/2013) 

Spouse is entitled to a benefit for life equal to 50% of your average monthly salary or the 100% Joint-and-Survivor  option, whichever is higher.

Any age but with less than 3 years of service (or 5 years if hired after 6/30/2013) 

Spouse is entitled to a benefit for life equal to 50% of your average monthly salary.

 

Dependent child
A dependent child is any natural or adopted, unmarried child of a deceased member under 18 years of age. Any child at least 18 but under age 23 is included if the child is a full-time student of an accredited school. For each dependent child, your spouse or legal guardian receives 10% of your high-five salary. The State Patrol Plan pays $20 per month, distributed equally among your dependent children. The monthly family benefit for a spouse and any children cannot exceed 70% of your average monthly salary.

 

No surviving spouse or child benefits payable
If you die and no monthly survivor benefits are payable, your beneficiary receives a refund of the accumulated deductions plus interest. If you have no beneficiary, a refund is paid to your estate.
 

If you die after you leave State of Minnesota employment

If former member of
State Patrol Plan dies and was . . .

 Benefit Payable

Collecting MSRS retirement benefit 

your named survivor receives a monthly benefit payment for their lifetime. The amount depends on the retirement option selected. For more information see Benefit Choices.

NOT collecting MSRS retirement benefit and had at least 3 years of service (or 5 years if hired after 6/30/2013)

Surviving spouse is entitled to receive a 100% Joint-and-Survivor benefit computing using the ages of the deceased participant on date of death and the survivor.

NOT collecting MSRS retirement benefit and less than 3 years of service (or 5 years if hired after 6/30/2013)

A refund of contributions plus interest is paid to surviving spouse, or if none, surviving children, or if none, the deceased's members estate.