Q. Why is my mother only going to receive 55 percent of the survivor annuity amount? Why doesn’t she get the whole amount due?
A. Your mother will receive a survivor annuity that equals 55 percent of the amount her deceased husband would have received if he hadn’t elected a survivor annuity. As a result, the dollar amount of her survivor annuity will be greater than 55 percent of what he was receiving in his own annuity when he died.