Q. Is the cost-of-living adjustment computation made before or after the survivor annuity reduction is made? If I retired with a $50,000 retirement, approximately $5,000 per year would be deducted. Would the increase be adjusted to the $50,000 amount or the $45,000 amount?
A. Cost-of-living adjustments are only made to your base annuity, not the amount you would have received if you hadn’t elected a survivor annuity.
