Death Before Retirement With a Spouse

The qualifying spouse of deceased vested member can choose to receive either:

• the commuted value of the member's pension at the date of the member's death if they transfer it out, or
• a lifetime pension

The qualifying spouse can receive their HOOPP survivor benefit one of the following ways:

• as an immediate pension or a deferred pension from HOOPP
• transfer an amount equal to the commuted value of the member's pension to an RRSP, on a tax-sheltered basis
• as a lump sum, equal to the commuted value of the member's pension, paid in cash, taxable in the year it is received