Ask The Experts: Retirement

By Reg Jones

Survivor benefits

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Q. I’m planning on retiring next month. I’m a FERS employee and my wife is a CSRS employee. I waived her survivor benefits and she did mine. We each have our own individual health insurance. If I die, will my wife get what is left of my retirement even though she is a CSRS employee?

A. If there are any of your retirement contributions that haven’t been returned to you in your annuity payments, they would be paid to your widow.

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