Upon request by the legal representative for a member's estate, GCEA may pay to the estate the Capital Credits previously allocated to the deceased member. This payment will be discounted to the net present value. Discounting of Capital Credits means that a discount rate is used to reflect the time value of money at the time it is paid. This request must be made in writing and be accompanied by a death certificate and other supporting documents. The estate may choose to have the full Capital Credits assigned to another account for normal retirement. Please contact us for more information.