A benefit paid to the beneficiary when a participant dies before starting their annuity. If the participant dies while employed by a participating YMCA, the benefit will be the greater of $10,000 or the sum of the Personal Account (paid by either the participant or the YMCA), the YMCA Account, and YMCA Account (Legacy). If the participant was not employed by a participating YMCA at the time of death, the benefit paid will be the sum of their vested accounts. Regardless of the participant's employment status, a beneficiary is also entitled to any monies in the participant's voluntary and additional accounts.
