Q. I am a retired CSRS employee and elected the full survivor benefit for my spouse. Should I die before her, will the 55 percent she receives be based on my annuity with the deduction for the benefit, or will it be 55 percent of what I would be receiving if I had not elected the full survivor benefit?
A. It will be 55 percent of the annuity you would have received before it was reduced for a survivor annuity, increased by every cost-of-living adjustment that has been made to CSRS annuities since you retired.
