Survivor benefits


Q. I’m planning on retiring next month. I’m a FERS employee and my wife is a CSRS employee. I waived her survivor benefits and she did mine. We each have our own individual health insurance. If I die, will my wife get what is left of my retirement even though she is a CSRS employee?

A. If there are any of your retirement contributions that haven’t been returned to you in your annuity payments, they would be paid to your widow.


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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