Smallest survivor annuity


Q. What is the least amount of survivor annuity that a CSRS retiree can request and still provide health coverage for a spouse?

A. Because you are covered by CSRS, the minimum amount of survivor annuity you can request would be $1 per year. However, you could only provide less than a full survivor annuity with your spouse’s written and notarized consent. Assuming that you were enrolled in the self and family option of your Federal Employees Health Benefits plan when you die, that would preserve your spouse’s entitlement to continue that coverage, for which she would have to pay the premiums directly to the Office of Personnel Management.


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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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