Retirement and disability benefits with private contract


Q. My father is receiving both a disability benefit and a monthly federal pension from CSRS. His wife is in a nursing home and has been on Medicaid since June 2011. Her Social Security is paid directly to the nursing home. She is given only a small amount and the nursing home keeps the remainder.

If my father should pass before her, will the CSRS survivor annuity amount go directly to the nursing home, as well?

A. The annuity will go to your mother. However, you’ll need to find out the terms of the contract signed when she entered the nursing home. I suggest you consult an attorney who can help you find out what her financial obligations are.


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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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