Minimum annuity for spouse


Q. I noticed on one of your blog postings that you stated the minimum annuity you can leave a spouse is $1. I’ve been told by my personnel office that the minimum is $3,600. Which is correct?

A. What I stated is correct. Your personnel office was misreading what OPM has written on the subject. The reduction in an employee’s annuity is “2.5 percent of the amount up to $3,600 elected as the base for the survivor annuity [emphasis added].” The reduction is 10 percent for any amount elected over $3,600. Go to and scroll down to Section 50A3-1-3D



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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