Spouse’s Social Security and survivor annuity

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Q. I am a retired federal employee and receive a $5,300 monthly CSRS annuity. I do not qualify for Social Security. My wife gets $600 a month in SS benefits that she earned working. If I die, will her survivor benefit of $3,200 a month be reduced by the $600 a month she receives in SS?

A. No, She’ll receive her earned Social Security benefit and her CSRS survivor annuity, with no reduction in either.

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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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