Transferring survivor benefits

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Q: My wife died 13 years ago. How do I assign my survivor benefits to my common-law wife?

A: You can submit new designation-of-beneficiary forms: SF 2823 for Federal Employees Group Life Insurance; SF 2808 for the Civil Service Retirement System or SF 3102 for the Federal Employees Retirement System survivor annuity; and TSP-3 for your Thrift Savings Plan investments (available on the TSP website). Some of these benefits may only be available in a state that recognizes common-law marriages. Check with an attorney to make sure that your state is one of them.

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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 fedexperts@federaltimes.com.

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