Q. I am a postal employee in the CSRS pension plan. I’m 64 with 33 years service. If I die before I retire, will my wife get the 55 percent of what my pension would be as if I was retired? Would she be eligible for the survivor benefit as if I would have been retired?
Browsing: spouse benefits
Q. In the FERS retirement system, do I have to be married at the time of my retirement to obtain a spousal annuity benefit, or can I get married after I retire and then change my status to spousal annuity? If I am married at the time of retirement and obtain a spousal annuity and later my spouse dies, can I change to the higher nonspousal annuity?
Q. Ten percent of retirement earned (i.e.30 years at age 55 = 56.25 of the high three) must be paid to give a wife the full survivor benefit. What if the wife is 12 years younger? Is it still 10 percent?
Q. My husband retired under CSRS, and I expect to retire under FERS in a few years. When he retired, he elected survivor benefits for me, and I will do the same for him. What will be the rate the survivor will receive: only their benefit or their benefit plus the survivor portion? The answer will make a big difference in how comfortable we can live in retirement, before and after one of us passes.
Q. I am CSRS and presently employed be the Air Force. I paid my military deposit in full, and as I will never have Social Security quarters, I would like to have it refunded back to me. Although OPM cannot quote the regulation, they said that if I was still making payments on it I could request a refund but because it is paid in full I cannot. Can you quote the regulation that states that? Can you quote the regulation that says that I can have this refunded!
Q. I am a federal employee who will get only CSRS benefits after retirement. I will make sure there are survivor benefits for my wife if I pass away first. My wife has Social Security. Will I get any survivor benefits from Social Security if she passes away before I do? Maybe I will get some benefits after any windfall deduction is made from survivor benefits.
Q. I am currently enrolled in an insurance program that will pay out excellent benefits should I die before my spouse. I am getting ready to retire under CSRS Offset. How much of a reduced survivor benefit do I need to take to ensure my wife maintains her health benefits?
Q. I have worked for the postal service since 1982, so I will not get social security because I do not have any credits. I was told though that if my husband passes away, I cannot receive any of his social security benefits because I have a civil service pension. Is this correct?
Q. I am a CSRS employee, 55 years old with 31 years of service. If I receive a voluntary separation incentive payment, is it reduced by six weeks of severance pay I received in 1997? Would my spouse be able to keep FEHB family plan if I die? When I use the advanced retirement calculator it shows 75 percent reduction for basic insurance. Is that automatic? And does FEGLI pay out the same death benefit as currently indicated in my Employee Benefit Information System?
Q. I retired as of March, 2013. At that time, same-sex marriages were not recognized by the federal government. I designated my spouse as a person of insurable interest when I retired and submitted my paperwork. Now, I would like to process the annuity selection as spouse with a 50% benefit. However, the OPM specialist working on my case has said that my status as single at the time of retirement means I must stick with the former choice. Does it matter? Isn’t my spouse entitled to benefits regardless? A. According to OPM, “It can be done. You should write to our Boyers,…