Survivor annuity


Q. I’m a 60-year-old CSRS employee with 38 years of service. I plan on working another few years. If I die before I retire, will my wife automatically receive a full survivor annuity? I plan on selecting a full survivor annuity when I do retire, but wonder what would happen if I die before that.

A. If you die before retiring, your widow would automatically receive a full survivor annuity. The only exception to this rule is if there is a court order for a former spouse that would result in part or all of that benefit going to him or her.


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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

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