Survivor benefits


Q: I am 57 with more than 30 years of CSRS service. My husband is 60 and retired from the military in 1997 with 27 years of service. He soon will have 14 years with FERS. We plan on retiring in September. I know I’ll be affected by the “windfall” and “offset” because of Social Security that we’ve both paid, his while in the military and mine prior to my federal service. If my spouse dies before me, will I receive the full military survivor benefit ($500) that he designated from his military retirement or will it be reduced or eliminated as well?

A: There won’t be any reduction in your military survivor benefit.


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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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