CSRS: Survivor Benefits Elections at Retirement
Married CSRS employees* may elect these survivor benefits options at
- Full survivor annuity for current spouse (55% of full annuity).
- Less than full or no survivor annuity with consent of spouse (55% of
selected base up to the full annuity amount).
Interest" survivor annuity for current spouse if a survivor annuity has been
awarded by a qualifying court order to a former spouse, or to provide for
- Combination current/former spouse annuity with consent of current
* Survivors are eligible to receive an annuity if they have been married at
least 9 months, are the natural parent of your child, or death was
- To provide a former spouse a survivor annuity, you must have been ordered by
the court or elect former spouse benefits, and
- Have been married at least 9 months,
- Have performed at least 18 months of creditable service
A former spouse is defined as a person whose marriage was terminated to an
employee on or after May 7, 1985, or who was a spouse of a retiree who retired
on or after May 7, 1985, regardless of the date of termination of
marriage. The annuity is computed in the same way as a current spouse
survivor annuity. OPM must receive a certified copy of your court
order, showing original seal or stamp of the court.
Unmarried CSRS employees may elect these survivor benefits
options at retirement:
- No survivor benefit
interest" survivor annuity
- Full or partial survivor annuity for former spouse
- Combination insurable interest/former spouse survivor annuity
Note: If you marry after retirement, you may elect, within 2 years
after the marriage, a reduced annuity to provide a current spouse benefit.
The reduction in your annuity is effective no earlier than the first of the
month beginning 9 months after the date of marriage. The premiums paid are
retroactive to your date of retirement. This deposit is paid by a
permanent actuarial reduction.