Annuity, life insurance after beneficiary death


Q. My mother was receiving a federal annuity check every month. She passed away, and I am trying to understand if the benefits are transferred to her children, or if there is life insurance in place.

A. Annuity benefits end with the death of the person who earned them unless there are unmarried dependent children under the age of 18 (22 if enrolled full time in school). To find out if she had Federal Employees Group Life Insurance, you’ll have to call the U.S. Office of Personnel Management at 1-888-767-6738 and talk with a benefits specialist. When you do, have you mother’s full name, date of birth, Social Security and annuitant numbers at hand.


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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

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