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Indiana Public Retirement System

Indiana Public Retirement System (INPRS) > My Fund > Police and Firefighters > Police and Firefighters Member Handbook: Survivor Benefits Police and Firefighters Member Handbook: Survivor Benefits

Lump Sum Death Benefit

In the event of your death, your heirs or estate will be entitled to a one-time death benefit of $12,000.

Survivors of Active Members (Non-Line of Duty)

If you die as an active member of the Fund, or after ending employment with at least 20 years of service credit but you had not started receiving benefits, the following survivor benefits will be paid:

  • Your surviving spouse is entitled to a monthly benefit. It will equal 60 percent of your monthly benefit.  The benefit will be paid to your spouse for life. Your benefit will be calculated as if you were receiving benefits at age 52 with 20 years of service. If you have more than 20 years of service, your benefit will increase by 1 percent for each six months of additional service.  Your spouse can remarry and not risk losing the benefit.
  • Each surviving child is entitled to a monthly benefit. It will equal 20 percent of your monthly benefit until:
    • the child turns age 18, or
    • until age 23 if he/she is enrolled in a secondary school and attends on a regular basis, or
    • the child is no longer a full-time student at an accredited college or university.

Your benefit will be calculated as if you were receiving benefits at age 52 with 20 years of service. If you have more than 20 years of service, your benefit will increase by 1 percent for each six months of additional service.

  • If an eligible child has a physical or mental disability (regardless of age) and the child is not a ward of the state, the child will receive benefits. An eligible disabled child is entitled to 30 percent of the monthly pay of a first-class police officer or first-class firefighter or 55 percent (whichever is greater) of the monthly benefit you were receiving or were entitled to receive on the date of your death. The child will receive the benefit as long as the disability continues.
  • If you do not have a qualified surviving child or spouse, your surviving parent(s), if qualified, is entitled to 50 percent of your monthly benefit for life.  Your parent(s) must submit proof that he/she was wholly dependent on you.  Your benefit will be calculated as if you were receiving benefits at age 52 with 20 years of service. If you have more than 20 years of service, your benefit will increase by 1 percent for each six months of additional service.
  • If your death was not in the line of duty and you had less than 20 years of service, your contributions plus interest will be paid to your chosen beneficiary. If you do not have a chosen beneficiary, your contributions plus interest will be paid to your estate.

Survivor Benefits Chart

Your spouse will receive 60 percent of the eligible benefit paid for life.

Non-Line of Duty (Active Member) or Vested Inactive Retiree Line of Duty as Determined by the INPRS Board (Active Member)
Lump Sum Death Benefit Your heirs or estate will receive $12,000. Your heirs or estate will receive $12,000. Your spouse, children or dependent parent(s) will receive $150,000 + $12,000 to your heirs or estate.
Surviving Spouse Your spouse will receive 60 percent of the eligible benefit paid for life. Your spouse will receive 60 percent of eligible benefit paid for life. Your spouse will receive 100 percent of eligible benefit paid for life.
Each Surviving Child* Your surviving child will receive 20 percent of the eligible benefit, paid until age 18 or 23 if he/she is a full-time student. Your surviving child will receive 20 percent of the eligible benefit, paid until age 18 or 23 if he/she is a full-time student. Your surviving child will receive 20 percent of the eligible benefit, paid until age 18 or 23 if he/she is a full-time student.
Wholly Dependent Parent(s) if no surviving spouse or child Parents (who qualify) will receive 50 percent of the eligible benefit paid for life. Parents (who qualify) will receive 50 percent of the eligible benefit paid for life. Parents (who qualify) will receive 50 percent of the eligible benefit paid for life. If both parents qualify, they share the benefit equally.

*If an eligible child has a physical or mental disability (regardless of age) and the child is not a ward of the state, the child will receive benefits. An eligible disabled child is entitled to 30 percent of the monthly pay of a first-class police officer or first-class firefighter or 55 percent (whichever is greater) of the monthly benefit you were receiving or were entitled to receive on the date of your death. The child will receive the benefit as long as the disability continues.

Survivors of Retirees

If you die while receiving retirement or disability benefits:

  • Your surviving spouse is entitled to a monthly benefit. It will equal 60 percent of your monthly retirement or disability benefit. The benefit will be paid to your spouse for life. Your spouse may remarry and not risk losing the benefit.
  • Each surviving child is entitled to a monthly benefit. It will equal 20 percent of your monthly retirement benefit or disability benefit until:
    • the child turns age 18, or
    • age 23 if he/she is enrolled in a secondary school and attends on a regular basis, or
    • the child is no longer a full-time student at an accredited college or university.
  • If an eligible child has a physical or mental disability (regardless of age) and the child is not a ward of the state, the child will receive benefits. An eligible disabled child is entitled to 30 percent of the monthly pay of a first-class police officer or first-class firefighter or 55 percent (whichever is greater) of the monthly benefit you were receiving or were entitled to receive on the date of your death. The child will receive the benefit as long as the disability continues.
  • If you do not have a surviving eligible child or spouse, your surviving parent(s), if qualified, is entitled to 50 percent of your monthly benefit for life. Your parent(s) must prove that he/she was wholly dependent on the federal income tax return filed by you the year prior to your death. Your surviving parents are equally entitled to 50 percent of your monthly benefit for life.

Beneficiaries

You may choose one or more of your beneficiaries to receive a lump sum payment plus interest if you die without:

  • receiving a retirement benefit,
  • receiving a disability benefit,
  • a survivor entitled to receive a benefit, and
  • INPRS returning your contributions.

Your contributions plus interest are paid to your beneficiary. INPRS will decide the payment rate. If you do not choose a beneficiary and you do not have survivors entitled to a benefit, your contributions plus interest will be paid to your estate. INPRS will decide the payment rate paid to your estate.

Line of Duty Benefits

Death Benefit

A special one-time death benefit of $150,000 will be paid to your surviving spouse if you die in the line-of-duty. If you are not married at the time of your death, the benefit will be paid to your surviving children. If you do not have a surviving spouse or child, the special death benefit is paid to your parents jointly.

Survivors of Members who Die in the Line of Duty

If you die in the line of duty while an active member of the Fund, the following survivor monthly benefits will be paid:

  • Your surviving spouse will receive a monthly benefit equal to 100 percent of your monthly benefit. Your spouse will receive the benefit for life. Your benefit will be calculated as if you were receiving benefits at age 52 with 20 years of service. If you have more than 20 years of service, your benefit will increase by 1 percent for each six months of additional service. Your spouse may remarry and not risk losing the benefit.
  • Each surviving child will receive a monthly benefit equal to 20 percent of your monthly retirement or disability benefit until:
    • the child turns age 18, or
    • age 23 if the child is enrolled in a secondary school and attends on a regular basis, or
    • the child is no longer a full-time student at an accredited college or university.

Your benefit will be calculated as if you were receiving benefits at age 52 with 20 years of service. If you have more than 20 years of service, your benefit will increase by 1 percent for each six months of additional service.

  • If an eligible child has a physical or mental disability (regardless of age) and the child is not a ward of the state, the child will receive benefits. An eligible disabled child will receive 30 percent of the monthly pay of a first-class police officer or first-class firefighter or 55 percent (whichever is greater) of the monthly benefit you were receiving or were entitled to receive on the date of your death. The child will receive the benefit as long as the disability continues.
  • If you do not have a surviving eligible child or spouse, your surviving parent(s), if qualified, is entitled to 50 percent of your benefit for life. Your parent(s) must prove that he/she completely depended on the federal income tax return filed by you the year before your death. Your surviving parents will equally receive 50 percent of your benefit for life.

Your retirement benefit will be calculated as if you were receiving benefits at age 52 with 20 years of service. If you have more than 20 years of service, your benefit will increase by 1 percent for each six months of additional service.

Section Five: Benefit Application Checklist