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Frequently Asked Questions Retirement

When do my benefits end?

Survivor annuities are payable through the end of the month prior to the date of the event which caused the loss of eligibility. For example, if the remarriage or other event occurred in April, benefits would end on March 31.

Survivor annuities payable to widows, widowers, and former spouses end if the survivor remarries before age 55 and was not married for at least 30 years to the deceased employee or annuitant. Widows, widowers, and former spouses who remarry after they reach age 55 continue to be eligible for survivor annuity benefits. The survivor annuity for a former spouse who is entitled because of a court order, ends if the terms of the court order are satisfied. Insurable interest annuities are payable for the life of the survivor.

If an annuity to a surviving spouse ends for a remarriage, it can be restored if the remarriage ends. Before the benefit can be restored, the survivor must pay back any lump sum payment of retirement contributions, if applicable. Former spouse benefits that end because of a remarriage can never be restored. If you want your annuity restored, write to us and include a copy of the decree of divorce, annulment, or death certificate.

Annuity benefits for children end when the child reaches age 18, marries, or dies. Survivor annuities are payable through the end of the month prior to the date of the event which caused the loss of eligibility. For example, if the child turns 18 on June 29, benefits would end on May 31.

Benefits for student children, stop at the end of the month before the one in which the student child:

  • turns 22;
  • marries;
  • dies;
  • stops attending school;
  • transfers to a school that is not recognized;
  • changes to less than full-time attendance;
  • enters military service or a Government service academy; or
  • fails to submit certification of full-time school attendance.

You must notify us immediately if any of the above events occurs to minimize the potential for an overpayment of benefits. Include your claim number and a copy of any appropriate record such as a marriage certificate.

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