Survivor annuity

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Q. I have two employees that do not want to leave their spouses a survivor annuity, without the spouse signing anything. One is CSRS and the other is FERS. The FERS employee has been separated for two years now and does not want to leave him anything, since she is not legally separated. But if she was legally separated, does she have to leave him anything?

A. Both those employees are required by law to provide a full survivor annuity for their spouses, unless their spouses agree in writing to a lesser amount or none at all.

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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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