Spouse's Social Security


Q. I retired from the Postal Service and receive CSRS annuity only with survivor benefits, not eligible for Social Security. My wife retired and now receives Social Security on her prior wages. When I die, my wife will receive my CSRS annuity at a reduced rate. Will it affect the amount of Social Security she now receives? I know if I was eligible for Social Security, it would be at a reduced rate.

A. Your widow will be able to receive the full CSRS survivor benefit you provided for her and an unreduced Social Security benefit based on her own work record.


About Author

Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to fedexperts@federaltimes.com.

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