Who Is Eligible for a Survivor Benefit

After a SCERS retiree passes away, certain survivors may be eligible to receive a continuing monthly benefit. Eligibility depends on the retirement option the member selected, the survivor’s relationship to the retiree, and California law.

This page outlines who may qualify and how SCERS determines eligibility.

Key Factors That Affect Eligibility

SCERS considers the following when determining if a survivor benefit is payable:

  • The retirement option the member chose at retirement (e.g., Unmodified Option, Option 2, Option 3, etc.)
  • The survivor’s legal relationship to the retiree
  • Whether the survivor was designated or eligible under law
  • The retiree’s personal status at the time of death

Eligible Survivors

The following survivors named under the retiree’s selected payment option may qualify for a continuing monthly benefit:

  • A spouse or registered domestic partner 
  • A natural or adopted unmarried minor child under the age of 18, or under age 22 if regularly enrolled as a full-time student in an accredited school, typically when no spouse or partner is eligible.
  • An individual who has an insurable interest

A spouse or partner is generally required to have been married or registered for at least one year before the retirement date.

Named Beneficiaries vs. Eligible Survivors

It’s important to distinguish between:

  • Eligible survivors, who may receive a continuing monthly benefit
  • Named beneficiaries, who may receive a lump-sum payment (such as the balance of member contributions or a burial allowance) but not a monthly continuance

A named beneficiary will only receive a monthly benefit if the retirement option and eligibility criteria allow for it.

Need Help Determining Eligibility?

Survivor benefit eligibility can be complex. After a death is reported, SCERS will:

  • Review the retiree’s election, status, and records
  • Contact the appropriate individuals with next steps
  • Request documentation to verify eligibility

If you have questions or are unsure about your status, please contact SCERS. We’re here to guide you through the process.