Survivor benefit calculation


Q. I am a retired CSRS employee and elected the full survivor benefit for my spouse. Should I die before her, will the 55 percent she receives be based on my annuity with the deduction for the benefit, or will it be 55 percent of what I would be receiving if I had not elected the full survivor benefit?

A. It will be 55 percent of the annuity you would have received before it was reduced for a survivor annuity, increased by every cost-of-living adjustment that has been made to CSRS annuities since you retired.


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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