Annuity after death


Q. If a person dies after they receive their annuity check, what happens to the money left in their account?

A. If there are any unexpended retirement contributions in your account, they would go to the person or persons you designated on a Standard Form 2808 (CSRS) or 3112 (FERS). If you didn’t make such a designation, the money would be distributed according to the Standard Order of Precedence.

If you aren’t sure about what you did, call the Office of Personnel Management at 1-888-767-6738 and talk to one of its benefits specialists.


About Author

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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