CSRS survivor annuity


Q. I am a 61-year-old CSRS employee. (I did not earn enough credits pre-federal employment to qualify for any Social Security benefit and have no intention of earning any credits post retirement.) My husband is 63 years old and self-employed; he will be entitled to a Social Security benefit of about $1,500 at age 66 based upon his lifetime earnings. When I retire, within the next few years, my monthly annuity will be around $7,000. My intention is to elect the survivor benefit for my annuity. If I predecease him during retirement, will his Social Security benefit be reduced by any amount based on his CSRS survivor annuity?

A. No, it wouldn’t be reduced.



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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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