Survivors Benefit

Survivor's Benefit FAQs

A benefit paid to beneficiaries of employees/self-employed persons in the event he or she dies. Payment is made in the form of a pension or a grant. A pension is a monthly payment whereas a grant is a one-time payment.

The deceased employee or self-employed person is already in receipt of invalidity or age pension or had not less than one hundred and fifty contributions (paid or credited) for a survivor’s pension or had not less than fifty contributions (paid or credited)  for a survivor’s grant.

  • Spouse/ Common Law Spouse
  • Children (who are under the age of 16 at the time of death who were living with or wholly or mainly maintained by the deceased)
  • Dependent parent

Children are:

  • Unmarried children
  • Adopted
  • Stepchildren
  • Children of the deceased born out of wedlock.

Complete the Survivors Benefit claim form using the NIS Portal

This claim form must be accompanied by:

            Birth certificate of widow/widower

            Birth certificates of children

            Adoption certifications (where required)

            Marriage Certificates

This benefit is paid to a surviving spouse/common law spouse, children and dependent parent of an insured person who has died.

Of the maximum pension available for payment to survivors’, the rate payable is as follows:

  • Spouse – 75%
  • Children – 25%
  • In the case of an orphan or an invalid child – 50%
  • Dependent Parent- 25%

Children are paid until the age of sixteen (16) and up to twenty-one (21) if they are still at school.

  1. A Survivors’ Pension can be paid to a widow or widower as follows:
    • For one year (1), if the widow or widower is under the age of fifty (50), or at the age of 50 or over, had been married to the deceased person for less than three years;
    • For life, if the widow or widower is over the age of fifty (50) and has been married or living with the deceased spouse for three (3) years or more.
  1. Where the widow or widower was an invalid at the time of the death of the insured person and had been married for not less than three years, he or she will be paid the pension as long as the invalidity continues.
  2. In the event the surviving widow/widower is receiving an age or invalidity benefit, only 50% of the survivors pension would be paid.
  3. The dependent parent would receive the benefit only if the maximum amount payable to the children and spouse is not exhausted.

Survivors’ Pension stops on remarriage or cohabitation

To qualify for a Grant, the deceased employee/self-employed person must have had at least fifty contributions weeks. Survivors’ Grant is paid at 5 times the average insurable earnings for every 50 contribution weeks.