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Death of a Member

What is the benefit payable for death before retirement?

There are two possible situations.

Situation 1: The employee has a spouse at the time of death.

A lump-sum death benefit is payable to the spouse. A lump-sum benefit is payable in a single amount. This benefit is taxable. Depending on the amount payable, taxes are deducted at source. However, the spouse may ask for the benefit to be transferred into a registered retirement saving plan (RRSP); in this case, taxes are deducted from the transfer.

If the employee dies after his or her 65th birthday, special conditions apply.

Situation 2: The employee does not have a spouse at the time of death or the spouse had renounced the benefit payable before the employee’s death.

A lump-sum death benefit is then payable to the designated beneficiary(ies) in a single payment. If the employee did not designate a beneficiary or beneficiaries, the lump-sum death benefit is payable to the employee’s heirs. Since the death benefit is taxable, taxes are deducted at source. Transfer to an RRSP is not permitted.

Particular conditions, limitations, or exclusions other than those mentioned above may apply to the payment of certain benefits; only the Règlement sur les régimes complémentaires d'avantages sociaux dans l'industrie de la construction, published by the Éditeur officiel du Québec, has official and legal force.Nevertheless, the provisions that apply to a specific event are those in force at the time of this event.

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