Survivor benefits


Q. Could you please tell me how to calculate how my CSRS annuity would change if my wife predeceases me?  I have elected a full annuity for her (I retired in 2006). I assume that my annuity will increase if she dies first, but I do not know how to figure the increase.

A. Your annuity would return to what it would have been had you not elected a survivor annuity. That original amount would be increased by any cost-of-living adjustments you have received since you retired.


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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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