Ask The Experts: Retirement

By Reg Jones

Survivor annuity and Social Security

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Q. I am a CSRS retiree, and I am not eligible for Social Security. I have provided for a full survivor annuity if I die before my wife.

She is self-employed and will be eligible for a Social Security benefit when she retires. Will her Social Security benefit be reduced at that time due to her survivor annuity? Will her survivor annuity be reduced because of her Social Security benefit?

A. Neither her survivor annuity nor her Social Security benefit would be reduced.

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