Survivor annuity and Social Security


Q. I am a 2012 CSRS retiree. My wife will soon be eligible for Social Security retirement, as she is closing in on the 40 quarters benchmark. When I die, and she receives the CSRS survivor monthly benefit, will her own Social Security retirement benefit be affected by the windfall elimination provision? (Her Social Security benefit will be minimal, having just reached the 40 quarters).

A. Receiving a CSRS survivor annuity will have no effect on your wife’s earned Social Security benefit.


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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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