RCMP and Canadian Armed Forces (CAF) Service-related Death Benefit Comparison

Benefit RCMP Constable CAF Captain
Financial Benefits
Salary (Annual) 2013 Rates $80,498
(Constable Step 5)
$80,076
(2nd Incentive)
Superannuation Survivor Benefit (Annual) $5,635
(Survivor + 2 Children)
$5,605
(Survivor + 2 Children)
CAF Supplementary Death Benefit (SDB) n/a $160,152
Veterans Affairs Canada (VAC) Death Benefit n/a $306,698
RCMP Death Gratuity $13,416 Tax Free n/a
Severance Pay >See Note
VAC Earnings Loss Benefit (ELB) n/a $60,057 Gross
(75% of Salary)

VAC Survivor Pension (Annual) 2013 Rates

$37,344
(Survivor + 2 Children)
n/a
RCMP Survivor Income Plan (SIP) Tops Up Monthly Income to Net Salary or Net Pension n/a
Optional Government Sponsored Insurance Up to $458,000 Up to $600,000
Minimum Benefits

Lump Sum:
$13,416
Monthly Survivor Payment:
$4,695 Net (until Age 60)
$3,544 (after Age 60)

Lump Sum:
$466,850
Monthly Survivor Payment:
$3,900 Net (until Age 65)
$334
(after Age 65)

Maximum Benefits Lump Sum: $471,416
Monthly Survivor Payment:
$4,695 Net (until Age 60)
$3,544 (after Age 60)
Lump Sum: $1,066,850
Monthly Survivor Payment:
$3,900 (until Age 65)
$334 (after Age 65)
Non-Financial Benefits
VAC Supplementary Retirement Benefit n/a Lump sum based on ELB paid out
VAC Vocational Rehabilitation n/a Access to $75,800 for Vocational Training for survivor
Educational Assistance for Children n/a $5,400 Tuition
$404 Monthly Allowance
Public Service Health Care Plan Optional premiums are shared between the survivor and the Government
Pensioners Dental Service Plan Optional premiums are shared between the survivor and the Government
Funeral Benefits Up to $14,666 + Up to $14,666 +

Salary (Annual)

Superannuation Survivor Benefit (Annual)

  • These calculations use very simplistic formulas for the sole purpose of illustrating the magnitude of the payment likely to be provided. Actual values will be less as payments are calculated on best five years of salary.
  • For CAF members, these payments will be used as an ELB offset and thus have no effect on overall outcomes until after age 65.
  • For RCMP members, these payment will be used as a SIP offset and thus have no effect on overall outcomes
  • Calculations based on a survivor receiving 50 percent of pensionable service (5 years of service x 2 percent for each year served). Calculation for children based on each child receiving one-fifth of the survivor benefit. CAF or RCMP.

Supplementary Death Benefit (SDB)

VAC Death Benefit

RCMP Death Gratuity

  • Payment = twice monthly salary

Severance Pay

  • Severance Pay was eliminated as a benefit, but some members may not have cashed out their severance pay, so for those members the residual amount would be paid out as a lump sum.

VAC Earnings Loss Benefit (ELB)

  • Provided under the New Veterans Charter for CAF Veterans and survivors.
  • 75 percent of salary.
  • Split 60/40 between survivor and dependent children (until age 18 or age 25 in school).
  • Paid until member would have reached age 65, regardless of marital status or income.
  • Indexed to cost of living and taxable.
  • More information

RCMP Survivor Income Plan (SIP)

  • Designed to replicate an income level for survivors equal to that which the member would have received had he/she survived.
  • Calculation is based on the following formula: Net Pay/Pension minus RCMP superannuation payment minus Canada Pension Plan/Quebec Pension Plan payment minus VAC Survivor payment equals SIP payment.
  • Benefit is not taxable.
  • An evaluation of the SIP

VAC Survivor Pension

Optional Term Insurance

  • Optional and member pays premiums.
  • Benefit is not taxable.
  • CAF insurance is provided by SISIP and provides up to $600,000.
  • RCMP insurance is provided by Great West Life Assurance Company and administered by Morneau-Shephell and consists of a basic option of up to $160,000 and an additional option of up to $198,000

Minimum Benefits

  • These are the minimum benefits that should be available to the member without he or she having exercised any optional insurance.
  • For simplicity sake, the net salary for RCMP SIP calculation was deemed as 70 percent of gross salary. This will vary with individual circumstances and variations in taxation regionally.
  • Calculations prior to age 60/65 include children. Superannuation calculations after these ages assumes there are no dependent children.

Maximum Benefits

  • These are the maximum benefits if the member applied for all the optional insurance available.
  • For simplicity sake, the net salary for RCMP SIP calculation was deemed as 70 percent of gross salary. This will vary with individual circumstances and variations in taxation regionally.
  • Calculations prior to age 60/65 include children. Superannuation calculations after these ages assume that there are no dependent children.

VAC Supplementary Retirement Benefit (SRB)

VAC Rehabilitation Program

  • Up to $75,800 and treatment benefits for survivor only.
  • Survivor must apply within year of death.
  • OVO recommendation to remove one year deadline.

Educational Assistance

  • $5,370.82 tuition and fees per year of schooling, per child.
  • $402.81 monthly allowance while in school, per child.

Public Service Health Care Plan

  • If not accessible under DND/CF, VAC can administer under NVC.
  • Survivor required to pay premiums.

Funeral Benefits

  • CAF Funeral Benefits, not including headstone or plot
  • RCMP benefits are very similar to CAF benefits. External link not available.
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