Survivor annuity


Q. My husband is a federal employee who never worked under Social Security. I have worked 30 years under Social Security. If I retire, I assume I will receive my full benefit from Social Security. However, what happens if he dies? Will this reduce my benefit from Social Security as his survivor?

A. No, it will not. You’ll be able to receive both benefits with no reduction in either.


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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