What you need to know
The Plan provides valuable benefits for your survivors should you die before starting your pension. It is important that you keep your spousal information and beneficiary designations up to date with OPTrust so we can pay any survivor benefits in accordance with your wishes.
If you die before retirement, survivor benefits are payable in the following order:
Your spouse (if eligible)
Your eligible children
Your designated beneficiary(s), or
Your estate.
How to plan
Ensure your spousal information and beneficiary designations are up to date with OPTrust via your Online Services account. If you do not have access to an Online Services account, you may submit a completed Member Spousal Information and Beneficiary Designation (OPTrust 1015) form to OPTrust.
If you have a disabled dependent child, please submit a completed Disabled Child Information (OPTrust 1065) form to OPTrust.
When to update your information through your Online Services account
Contact information changes – address, email, phone number, financial institution or account
Life event changes – beneficiary change, marriage, common-law, separation, divorce, death of spouse
Log into Online ServicesRemember to inform your next of kin, power of attorney or estate executor to contact OPTrust when you die.