Survivor annuity and age difference


Q. Under FERS (USPS), I plan to retire at 63, when my wife will be 55. I will opt for the 100 percent survivor annuity. Will my full annuity be decreased 10 percent, or will it be higher because of the age difference?

A. The percentage reduction in your annuity to provide a survivor annuity for your wife would be the same, regardless of the difference in your ages.


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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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