Annuity election


Q. I am a 59-year-old CSRS employee with 39+ years of service. OPM Form 2801 indicates my spouse needs to sign the Annuity Election section. Is this signature a requirement before I can retire, or can I just ignore it since my spouse isn’t ready for me to retire?

A. I assume you are referring to the section of the SF 2801, entitled, Spouse’s Consent to Survivor Election. That only applies if you aren’t electing a full survivor annuity for your wife. If you are providing less than a full survivor annuity, or none at all, not only is she required to complete that section of the form but her signature will have to be witnessed by a notary.


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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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