|Guide to SFDB (Supplemental Family Death Benefit)|
This is an informational guide only. All benefits are paid only in accordance with the terms of the Water and Power Employees' Retirement Plan. If there are any conflicts, real or apparent, between this guide and the Plan, the terms of the Plan will prevail. Therefore, before taking any action which will affect your future welfare, we advise you to consult the Retirement Plan Office for the specific terms of the Plan in any situation.
This coverage is important to any DWP employee who has children under the age of eighteen. Please call our Membership section for more information at 213-367-1695
The Water and Power Employees' Retirement, Disability and Death Benefit Insurance Plan (Plan) offers Supplemental Family Death Benefit (SFDB) coverage to its active and retired employees who have minor children.
The SFDB is voluntary. SFDB coverage is offered in addition to the standard Death Benefits to which all Plan members are entitled. (Please refer to the "Summary Plan Description" for a detailed explanation of Death Benefits.)
This Page Describes
If you should die in active service (note: an active member of the Plan is defined as a member who is being deducted for retirement or is on a paid leave of absence), your surviving family members will receive:
Active members who are eligible to retire or have completed 25 years of service may be eligible for a spousal/domestic partner continuance.
SFDB is an optional benefit which may provide increased monthly income to the surviving spouse and minor or disabled child(ren) of a deceased Water and Power employee who was covered by the Benefit.
You must be an active member of the Retirement Plan to enroll. You become eligible for the benefit after you have made 39 biweekly contributions of $2.25 by payroll deduction (about 18 months). If you are eligible (by completing 39 biweekly contributions), when you retire, you can continue the coverage by contributing $4.90 through your monthly retirement check. Contributions will continue until you request they be cancelled.
Both spouses who are employed by the DWP may enroll in SFDB and are each entitled to a benefit. However, only one benefit will be paid out per family even if both parents died at the same time.
If you have become eligible for the SFDB and ....
Your surviving spouse will receive SFDB payments until the last of your children is no longer eligible or until your spouse remarries, whichever happens first.
Note: Your spouse's portion of this allowance will not be paid if the spouse is receiving a Survivor's Optional Death Benefit Allowance or an Eligible Spouse/Domestic Partner Allowance.
Your children are eligible for SFDB payments until they reach age eighteen. As each child reaches eighteen, only the remaining child(ren) under eighteen are eligible. A child who marries before age eighteen also ceases to be eligible. A child who is disabled before age eighteen will continue to be eligible for benefit payments until he or she marries or becomes able to be gainfully employed.
SFDB can increase the Department-supported Family Death Benefit. The number of eligible family members determines the monthly Benefit payment allowed per family:
Please complete an application and mail it to us. You can pick up an application in person at the Retirement Office, or call the Membership section at 213-367-1695 and we will send you an application by mail.
Please notify the Membership section in writing when: