Survivor annuity and Social Security


Q. I will retire at the age of 58 with 34 years of service under CSRS and fewer than 40 credits in Social Security. My spouse is 56, still working, and is and has always been under Social Security. If I leave my spouse a survivor annuity and I die before him, will either his Social Security or the CSRS survivor annuity be reduced when he collects Social Security?

A. No, they won’t.


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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