Useful Links and Informations

Information regarding funeral information

The first, is The Co-operative Memorial Society (CMS) that is available to all Albertans and the benefits can be found in the attached document or link below.  All members and their spouses should register for this benefit and the extensive related services provided.

https://www.coopmemorial.org/membership.html

The second, is the VAC Funeral and Burial Program that ensures eligible Veterans receive dignified funeral and burial services.

https://veterans.gc.ca/en/financial-programs-and-services/death-and-bereavement/death-and-bereavement-programs/funeral-and-burial-assistance

The Program is administered on behalf of VAC by The Last Post Fund and some benefits are also applicable to spouses and dependents.

https://www.lastpostfund.ca/the-funeral-and-burial-program/

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The Canadian Forces' Supplementary Death Benefit (SDB)

The Canadian Forces' Supplementary Death Benefit (SDB) provides a tax-free lump sum to beneficiaries, typically twice your annual salary (rounded up), acting like decreasing term life insurance for active members, Reservists on Class "C" service, and those releasing with a pension, with costs and coverage changing after retirement, eventually becoming a $5,000 paid-up benefit at age 70. It's part of the public service pension plan, with deductions from pay/pension, and you name your beneficiary to receive the payment.  

How it Works

• Coverage Amount: 

Generally, it's twice your final annual salary, rounded up to the nearest $1,000 (or $250 for CAF members). 

• Contributions: 

A small amount is deducted from your pay or pension (e.g., $1 per $10,000 of coverage). 

• Beneficiary: 

You designate who receives the benefit by completing a form (PWGSC-TPSGC 2196E or CF-FC 2223). 

For Active & Retired Members

• Active Service: If you die while serving, your beneficiary gets the benefit. 
• After Release (with Pension): If you release with an immediate pension and meet service requirements, coverage continues, with deductions from your pension. 
• After Age 61: The benefit reduces by 10% annually until age 70, when it becomes a $5,000 paid-up coverage for life at no further cost. 

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