Q. My mother-in-law just died, and my father-in-law is a civil-service retiree. Upon his retirement, they elected to lower his retirement check so that, if he should die first, she would be left with more of his retirement. Can he get that extra income added back to his retirement check? If so, what does he need to do? Also, what steps does he need to take to remove her from insurance?
A. Your father will have to call the Office of Personnel Management (OPM) at 1-800-767-6738 and provide them with proof of his wife’s death. OPM will then cancel his designation of beneficiary for life insurance and prospectively restore his annuity to what it would have been if he hadn’t elected a survivor annuity benefit for her.