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Survivor Pension

Survivor Pension

Civil Service Employees:

  • Are required at retirement to either elect or reject a survivor pension if they are married
  • If the employee chooses NOT to provide survivor pension then the spouse must sign off
  • If the spouse predeceases the employee all payments are forfeited to insurance company
  • Active Duty and Reserve employees can provide a Survivor Pension not only to their spouse but can also provide to spouse and child (or child only)

Did you know? You may qualify for a Survivor Pension with benefits that can be transferred to your children or partially refunded back to the retired employee if your spouse predeceases you, AND you must carry the minimum survivor benefits if you want to continue health insurance to your family if the employee dies first.

The 3 CSRS Employee Survivor Options:
(click here for example calculation)

  • Standard- 55% of Full Annuity
  • Reduced- 55% of ½ the Full Annuity
  • Minimum 55% of $3,600.

The 2 FERS Employee Survivor Options:
(click here for example calculation)

  • Standard – 50% of full annuity
  • Minimum – 25% of Full Annuity

The Active Duty & Reserve Employee Survivor Options:
(click here for example calculation)

  • Standard – 55% of your standard base retirement.
  • Reduced- 55% of any selected base retirement less than standard