Social Security and survivor annuity


Q: My husband is retiring with 40 years in the Civil Service Retirement System. We chose a survivor annuity. At age 62, I am eligible for a reduced Social Security benefit on my own earnings. If he dies, is my CSRS survivor annuity affected by my Social Security benefit, or vice versa?

A: As long as you aren’t receiving an earned annuity from a retirement system where you didn’t pay Social Security taxes, neither your CSRS survivor annuity nor your earned Social Security benefit will be affected.


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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