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Reply to "FERS survivor benefit "
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[quote=Anonymous][quote=Anonymous]When the federal spouse retires, they can choose if they want a) Full FERS survivor annuity (50% of the spouse's monthly pension) b) reduced FERS survovor annuity (25% of the spouse's monthly pension) c) no FERS survivor annuity (0%) a) is the default; spouse would need to consent to change it. The cost is 10% of your pension monthly. b) costs 5% of the monthly pension. c) has no cost If the spouse will continue to need FEHB (Federal Employee Health Benefits) after the death of the federal employee/retiree, their portion of the premiums would be deducted from their pension payment. [b]The non fedgov surviving spouse is ONLY eligible for FEHB to continue if he or she gets either a) or b). If choice c is selected, when the federal retiree dies, the spouse cannot continue FEHB.[/quote][/b] This is key. I would not have selected a survivor annuity had this not been the case, but allowing my spouse to keep the FEHB coverage was too important. [/quote]
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