Q. I retired in 2002 with 32 years of service and receiving a CSRS annuity. I am 65 and do not have the required 40 quarters to collect Social Security. My retirement annuity is being reduced for “full surviving spouse’s annuity.” Will my wife, who is 61 and plans to draw Social Security next year (over $600 a month), be able to draw her full Social Security and the CSRS survivor annuity, even though I was not eligible for Social Security, if I pass away before her?
A. Yes, she will be able to receive her full, earned Social Security and any CSRS survivor annuity that you have provided for her.