My mother recently passed away. She worked for the Government and had been receiving retirement checks into her checking account. She had no one assigned as a beneficiary. The government sent to my brother and I one month's payment split between us and stated the case is closed. My brother and I agree that my mother should have been collecting until she was 100 but passed at 82. How can we find out if there was more but the government may be keeping due to lack of beneficiary designated?
Her benefit probably died with her. They may be willing to give you a copy of her plan (PERS) or it may be available on the web. If not, you may need to open her probate estate so you can subpoena the information.
In order to determine whether additional benefits may be payable to your mother's estate, I recommend that the Executor of your mothers estate (or your lawyer) contact the human resource division of the specific government agency which your mother worked for. Ask to receive a copy of your mother's retirement benefits allocation, and review the terms of that retirement program. If your mother's former employer does not respond in a timely way, send them a formal request by certified mail, and engage a lawyer to accelerate the processing of your mother's Will and estate.
You should be able to contact the retirement plan administrator to request a copy of her benefits election. It might be necessary to file a probate petition to get a personal representative appointed to do this. Most government retirement benefits are pensions. For this reason, it's unlikely your mother elected benefits would continue after her death by naming someone as a beneficiary. This is because if she had done that, the monthly amount she received would be less because of the possibility of payments continuing after her death. So, the way a pension works, is the employer commits to pay an amount to the retired employee. It is the employer's responsibility to make sure the payments are made, even if the employer has not saved enough to make the payments. If an employee elects payments for the employee's lifetime, the employer makes a determination of how long the employee is likely to live and then bases the monthly payments on that assumption. If the employee dies earlier than expected, the employer does not pay out as much as expected. If the employee lives longer than expected, the employer pays out more than it planned on paying. Over the long run and over many employees, the assumptions average out (hopefully) and the employer has enough money to pay the promised retirement benefit. An employee can elect to receive their retirement as a joint and survivor annuity. If the employee does this, however, then the employer assumes it will need to be making monthly payments over a longer period of time than if the employee just elected to receive payments during the employee's life. For this reason, the employer makes smaller monthly payments to the employee because the employer assumes it will need to be making those payments over a longer period of time.
You will need to bring the details and the pension terms to an attorney for a review. Normally pensions terminate at the death of the pensioner or their spouse under normal circumstances.
You have to examine the terms of the retirement program. Not all programs have a death benefit. The death benefit is different from income or annuity payments during lifetime.
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