Survivor annuity


Q. What percentage of my husbands annuity do I get when he dies? He is retired from the US Army Corps of Engineers. From what I am reading we would need to be married at least nine months, but I am having a hard time finding out much more.

A. Assuming that (1) a former spouse isn’t already entitled to all or a portion of your husbands’s annuity; (2) you have been married to him for at least 9 months before he dies; (3) he applies for a survivor annuity within two years of your marriage; and (4) he pays to OPM a substantial deposit and accepts the reduction in his own annuity, if he is a CSRS retiree, you would be entitled to 55 percent of his annuity, 50 percent if FERS.


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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