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Frequently Asked Questions Retirement

Death Benefits

  • A child can continue to receive benefits after reaching age 18 if he or she is incapable of self-support because of a disability which began before age 18. If the disabled child is under age 18 when you apply for benefits, we do not need additional information. However, when the child is within three months of reaching age 18 or over age 18, you should send us the information described in disabling conditions for children. A child can also continue to receive benefits until age 22 if he or she is a full-time student. If the child is listed on the application for benefits as a full-time student who is age 18 or more, we will send a request for certification of school attendance to be completed by the person who expects to receive payments and the school. See more information about the eligibility of full-time students. Annuity payments continue between school years unless the break is more than five months or the student does not plan to return to school on a full-time basis. If the student plans to be out of school for more than five months, we cannot pay benefits. If he or she plans to return to school within five months, but does not do so, benefits stop at the end of the month before the change of plans.
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  • Generally, your income from employment with the Government or any other employer will not affect your survivor annuity.
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  • Yes. Currently every survivor receives a Cost-of-Living Adjustment (COLA) effective each December first. It will be first reflected in the January payment which pays annuity for the month of December. We will send a Notice of Annuity Adjustment showing how much the benefit was increased. See more information about Cost-of-Living Adjustments.
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  • Under these circumstances, there are no recurring monthly benefits payable under the Civil Service Retirement System (CSRS). If there is an unpaid balance of retirement contributions by the former employee, the person(s) eligible for payment under the order of precedence should complete the "Application for Death Benefits," Standard Form (SF) 2800 [806 KB] and attach any other forms and/or evidence as the application or circumstances require. Attach a copy of the employee’s death certificate and send the application to us at this address. Federal Employees Retirement System (FERS)- If the former employee was covered by the Federal Employees Retirement System (FERS), the current spouse may be eligible for a monthly benefit if…
    • The current spouse was married to the deceased at the time of his/her separation from Federal civilian service, and
    • The current spouse was married to the deceased for a total period of at least nine months (the nine month requirement does not apply if the death was accidental or if the current spouse is the parent of a child born of the marriage.)
    If there is an unpaid balance of retirement contributions by the former employee and no one is eligible for a monthly survivor benefit, the person(s) eligible for payment under the order of precedence should complete the "Application for Death Benefits," Standard Form (SF) 3104 [741 KB] and attach any other forms and/or evidence as the application or circumstances require. Attach a copy of the employee’s death certificate and send the application to us at this address.
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  • The survivor annuity payable to the spouse of a deceased retiree who was covered by the Civil Service Retirement System (CSRS) Offset program is computed in the same manner as the annuity for the spouse of a deceased annuitant with full CSRS coverage. However, if you are the surviving spouse of a deceased retiree who was covered by CSRS-Offset, your annuity will be reduced if you are eligible upon proper application for social security benefits based on the deceased annuitant's Federal service. If social security survivor benefits are payable:
    • You will receive full Civil Service Retirement System (CSRS) benefits until you become entitled to social security benefits, generally at age 60. However, benefits may begin earlier if you are disabled or care for a minor child.
    • When you become entitled to social security survivor benefits, your Civil Service Retirement System (CSRS) survivor annuity will be reduced by the amount of the social security benefit that is attributable to the deceased's employment under CSRS-Offset coverage. The reduction begins on the first day of the month in which you are entitled to the CSRS-Offset annuity and eligible, upon application, for social security survivor benefits.
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  • If you are enrolled for family life insurance, and a covered member of your family dies, you can contact us in one of three ways: U.S. Office of Personnel Management Retirement Services Program Post Office Box 45 Boyers, PA 16017-0045. You can download the necessary claim form and instructions, or contact us and ask that they be sent to you.
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  • Recurring monthly payments may be made to the former spouse of a deceased employee under a court order. A former spouse must also meet the nine month marriage requirement. For additional information about court-ordered benefits, refer to the pamphlet, "Court-Ordered Benefits for Former Spouses [7 MB]." See how the amount of the former spouse survivor benefit is determined.
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