Ask The Experts: Retirement

By Reg Jones

CSRS survivor benefits

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Q. My wife’s uncle (age 87 with 42 years CSRS) asked me to find out if his wife would continue receiving his retirement should he die first. His wife is under social security retirement after a career in nursing. She is 85, both have been retired for a long time. In this scenario, how would her future retirement be computed?

A. Assuming that he elected a full survivor annuity for her, she would receive 55 percent of his basic annuity before any deductions were taken out, increased by any cost-of-living increases he received since he retired. Her survivor annuity would continue for the rest of her life.

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