Disabled dependent survivor benefit


Q. I will be retiring in early 2014 under CSRS with a spouse and disabled son. I understand that, with proper approval from the Office of Personnel Management, my disabled son may be carried as a beneficiary for survivor benefits at no additional cost. I know that normally, if a dependent spouse predeceases the retiree, the cost of survivor benefits will no longer be deducted from the retirement annuity. Is this still true with the disabled dependent, or will I continue to pay the survivor’s benefit cost?

A. Yes, it’s still true. A disabled child’s benefits are paid separately and without any deductions from your own annuity.


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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 fedexperts@federaltimes.com.

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