Social Security and survivor annuity


Q. I retired under CSRS and chose a survivor benefit for my wife.

My wife worked in private industry and contributed to Social Security and started collecting a Social Security pension.

My last letter from OPM said my wife would receive a survivor benefit of $670 per month.

How would the offset provision affect her monthly income in the case of my demise?

A. It wouldn’t. She’d be able to receive both her survivor annuity and her earned Social Security benefit.


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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