CSRS questions


Q. I have two questions if you don’t mind.
1. When I retired (CSRS), I elected full survivor benefits for my wife. Will her survivor benefit be based on the amount of my annuity when I retired or when I died?
2. With all the talk of private retirement funds being decimated by the economic downturn, is there any way of knowing or determining how financially solvent the CSRS retirement fund is?

A. If you were to die before your wife, she would receive 55 percent of the annuity you would have received if you hadn’t elected a survivor annuity, increased by every cost-of-living adjustment you’ve gotten on your annuity up to the day you died. And her survivor annuity will be increased by every cost-of-living adjustment that occurs up to her death.


About Author

Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to fedexperts@federaltimes.com.


    • You can give them a copy of your 1099R for 2015 and the annual update of annuity adjustments that comes out in the first quarter of each year.

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