Survivor benefits for dual-federal couples


Q: My husband retired under the Civil Service Retirement System Offset program and had a 55 percent survivor benefit for me. I am Federal Employees Retirement System employee, and I will be retiring in three years with the maximum survivor benefit for him. Whoever dies first, will the other one receive survivor benefits and will the survivor’s other federal benefits be reduced by how much they receive from the deceased?

A: There wouldn’t be any reduction. You would be able to receive both your own annuity and the survivor benefit provided by your deceased spouse.


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

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