Survivor benefits and annuity calculation


Q: I am 53 years old with 30 years of service under the Civil Service Retirement System. If I were to die before I reach age 55, what would happen to the money I have contributed to CSRS? My wife has been a homemaker with no retirement plan, and I plan on having the spousal support when I do retire.

A: If you were to die while still employed, your wife would be entitled to a survivor annuity equal to 55 percent of the annuity you would have received had you retired. There would be no age-based reduction if you were under age 55 when that happened.


About Author

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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