IN.gov - Skip Navigation

Note: This message is displayed if (1) your browser is not standards-compliant or (2) you have you disabled CSS. Read our Policies for more information.

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

Your heirs or estate are entitled to receive a one-time death benefit of $12,000 upon your death.

Survivors of Active Members (Non-Line of Duty)

If you die as either an active member of the 1977 Fund, or after leaving employment with at least twenty (20) years of creditable service but are not yet retired and receiving benefits, the following survivor benefits will be paid:

  • Your surviving spouse is entitled to a monthly benefit equal to sixty percent (60%) of your monthly retirement benefit payable for the spouse’s lifetime. Your retirement benefit will be calculated as though you were receiving retirement benefits at age fifty-two (52) with twenty (20) years of service. If you have more than twenty (20) years of service, your benefit will be increased by one percent (1%) for each six months of additional service.  Your spouse may remarry without the risk of losing the benefit.
  • Each of your surviving children are entitled to a monthly benefit equal to twenty percent (20%) of your monthly retirement benefit until the child reaches the age of eighteen (18) or until the age of twenty-three (23) if the child is enrolled in and regularly attending a secondary school or is a full-time student at an accredited college or university. Your retirement benefit will be calculated as though you were receiving retirement benefits at age fifty-two (52) with twenty (20) years of service. If you have more than twenty (20) years of service, your benefit will be increased by one percent (1%) for each six months of additional service.
  • Benefits are paid to eligible disabled children for the duration of their physical or mental disability (regardless of age), if the child is not a ward of the state. An eligible disabled child is entitled to receive an amount each month that is equal to the greater of thirty percent (30%) of the monthly pay of a first-class police officer or first-class firefighter or fifty-five percent (55%) of the monthly benefit the deceased member was receiving or was entitled to receive on the date of the member's death as long as the mental or physical incapacity of the child continues.
  • If you have no surviving eligible child or spouse, upon submission of satisfactory proof that your parent or parents were wholly dependent on you, your surviving parent or parents, if qualified, are entitled jointly to receive fifty percent (50%) of your monthly benefit during their lifetime. Your retirement benefit will be calculated as though you were receiving retirement benefits at age fifty-two (52) with twenty (20) years of service. If you have more than twenty (20) years of service, your benefit will be increased by one percent (1%) for each six (6) months of additional service.
  • If you die other than in the line of duty and you had less than twenty (20) years of service, your contributions plus interest will be paid to your designated beneficiary. If you have no designated beneficiary, your contributions plus interest will be paid to your estate.

Survivor Benefits Chart

  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  $12,000 to heirs or estate $12,000 to heirs or estate $150,000 to surviving spouse, children, or dependent parent(s) + $12,000 to heirs or estate
Surviving Spouse 60 percent of eligible benefit payable for life 60 percent of member’s benefit payable for life 100 percent of eligible benefit payable for life
Each Surviving Child* 20 percent of eligible benefit, payable to age 18 or 23 if full-time student 20 percent of member’s benefit payable to age 18 or 23 if full-time student 20 percent of eligible payable to age 18 or 23 if full-time student
Wholly Dependent Parent(s) if no surviving spouse or child 50 percent of eligible benefit payable for life 50 percent of member’s benefit payable for life 50 percent of eligible benefit payable for life. If both parents are eligible, they share the benefit equally.

*Benefits are paid to eligible disabled children for the duration of their physical or mental disability (regardless of age), if the child is not a ward of the state. An eligible disabled child is entitled to receive an amount each month that is equal to the greater of thirty percent (30%) of the monthly pay of a first-class police officer or first-class firefighter or fifty-five percent (55%) of the monthly benefit the deceased member was receiving or was entitled to receive on the date of the member's death as long as the mental or physical incapacity of the child continues.

Survivors of Retirees

If you die while receiving retirement or disability benefits:

  • Your surviving spouse is entitled to a monthly benefit equal to sixty percent (60%) of your monthly retirement or disability benefit payable for the spouse’s lifetime. Your spouse may remarry without the risk of losing the benefit, and
  • Each of your surviving children are entitled to a monthly benefit equal to twenty percent (20%) of your monthly retirement or disability benefit until the child reaches the age of eighteen (18) or until the age of twenty-three (23) if the child is enrolled in and regularly attending a secondary school or is a full-time student at an accredited college or university.
  • Benefits are paid to eligible disabled children for the duration of their physical or mental disability (regardless of age), if the child is not a ward of the state. An eligible disabled child is entitled to receive an amount each month that is equal to the greater of thirty percent (30%) of the monthly pay of a first-class police officer or first-class firefighter or fifty-five percent (55%) of the monthly benefit the deceased member was receiving or was entitled to receive on the date of the member's death as long as the mental or physical incapacity of the child continues.
  • If you have no surviving eligible child or spouse, upon submission of proof that your parent(s) was a dependent on the federal income tax return filed by you in the year prior to the year of your death, your surviving parent or parents are entitled jointly to receive fifty percent (50%) of your monthly benefit during their lifetime.

Beneficiaries

You may designate one or more of your beneficiaries to receive, in a lump sum, your contributions plus interest at a rate determined by INPRS. If you die:

  • without receiving a retirement benefit;
  • without receiving a disability benefit;
  • without a survivor entitled to receive a benefit; and
  • without INPRS returning your contributions;

your contributions plus interest at a rate determined by INPRS are payable to your designated beneficiary. If you do not designate a beneficiary and you have no survivors entitled to receive a 1977 Fund benefit, your contributions plus interest at a rate determined by INPRS, will be paid to your estate.

Line of Duty Benefits

Death Benefit

If you die in the line of duty (as determined by the INPRS board or its designee), a special one-time death benefit of $150,000 will be paid to your surviving spouse, or surviving children if there is no spouse. If you have no surviving spouse or child, the special death benefit is payable to your parent or parents in equal shares.

Survivors of Members who Die in the Line of Duty

If you die in the line of duty while an active member of the 1977 Fund, the following survivor monthly benefits will be paid.

  • Your surviving spouse is entitled to a monthly benefit equal to one hundred percent (100%) of your monthly retirement benefit payable for the spouse’s lifetime. Your retirement benefit will be calculated as though you were receiving retirement benefits at age fifty-two (52) with twenty (20) years of service. If you have more than twenty (20) years of service, your benefit will be increased by one percent (1%) for each six (6) months of additional service. Your spouse may remarry without the risk of losing the benefit.
  • Each of your surviving children are entitled to a monthly benefit equal to twenty percent (20%) of your monthly retirement or disability benefit until the child reaches the age of eighteen (18) or until the age of twenty-three (23) if the child is enrolled in and regularly attending a secondary school or is a full-time student at an accredited college or university. Your retirement benefit will be calculated as though you were receiving retirement benefits at age fifty-two (52) with twenty (20) years of service. If you have more than twenty (20) years of service, your benefit will be increased by one percent (1%) percent for each six (6) months of additional service.
  • Benefits are paid to eligible disabled children for the duration of their physical or mental disability (regardless of age), if the child is not a ward of the state. An eligible disabled child is entitled to receive an amount each month that is equal to the greater of thirty percent (30%) of the monthly pay of a first-class police officer or first-class firefighter or fifty-five percent (55%) of the monthly benefit the deceased member was receiving or was entitled to receive on the date of the member's death as long as the mental or physical incapacity of the child continues.
  • If you have no surviving eligible child or spouse, upon submission of satisfactory proof that your parent or parents were wholly dependent on you, your surviving parent or parents, if qualified, are entitled jointly to receive fifty percent (50%) of your monthly benefit during their lifetime. Your retirement benefit will be calculated as though you were receiving retirement benefits at age fifty-two (52) with twenty (20) years of service. If you have more than twenty (20) years of service, your benefit will be increased by one percent (1%) for each six (6) months of additional service.

Section Five: Benefit Application Checklist