Survivor annuity for widow


Q. I’m trying to help a prospective retiree. She is 77 and is receiving a Social Security survivor annuity from her deceased husband. She is in CSRS Offset. The Social Security office seems to be unfamiliar with CSRS Offset and is answering her questions by telling her she’s FERS, which she is not.

A. Because she is a CSRS Offset retiree, she will be able to continue receiving her Social Security survivor annuity when she retires. For proof, tell her to go to and scroll to the section titled “When won’t my Social Security benefit be reduced?”


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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