Survivor annuity


Q: If I elected maximum survivor annuity for my current spouse,at retirement: (A) If I predecease my spouse, would she continue her survivor annuity pension and, what would happen with my annuity? (B) If my wife predeceases me, what would happen to her annuity pension. Would my annuity increase from absorbing her survivor annuity pension?

A: If you were to die before your spouse, your annuity would end and your spouse would receive the survivor annuity you elected for her. If she were to die before you, your annuity would be prospectively  restored to what it would have been had you not elected a survivor annuity.


About Author

Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to

Leave A Reply