Survivor annuity

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Q. Can I elect a survivor benefit in any amount, or does it have to be the 100 percent or 50 percent that is always talked about?

A. If you are a CSRS employee, you may elect any amount from $1 per year up to 55 percent of your basic annuity. If you are a FERS employee, you are limited to either 50 percent or 25 percent of your basic annuity.

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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 fedexperts@federaltimes.com.

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