Survivor annuity and government pension offset


Q. I am a recent retiree covered under CSRS who elected a full survivor benefit for my spouse.  She is covered under Social Security and has a significant Social Security benefit that she will qualify for when she reaches full retirement age. If I die before her and she is receiving Social Security based on her own earnings record, will her survivor benefit under CSRS be subject to the Government Pension Offset?

A. No.


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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