Ask The Experts: Retirement

By Reg Jones

Stopping survivor benefits if wife predeceases husband

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Q. My late wife and I were 30-year federal employees covered under CSRS. When we retired, we both elected no survivor benefits. I am age 60 and have been retired with CSRS for five years. My wife passed in 2010. I remarried in 2012 and would like to place my wife into the survivor benefit program. I understand the calculations for determining a full survivor annuity, but should my current wife predecease me, will I be able to stop the survivor benefits deductions from my monthly annuity?

A. While the reduction to provide for the survivor annuity would be eliminated, the actuarial reduction to pay the survivor benefit deposit is permanent and would not be restored.

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