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Under the Civil Service Retirement System (CSRS), a retiree can elect to provide less than the maximum survivor benefit. A partial survivor election is based on 55% of the annual base amount you choose. For example, if you choose a survivor base of $3,600, the benefit will be 55% of $3,600 for a survivor benefit of $1,980 per year or $165 per month. By law, you must attach SF-2801-2, Spouse’s Consent to Survivor Election to your CSRS application. The SF-2801-2 must be signed by your spouse in the presence of a notary.
Under the Federal Employees Retirement System (FERS), individuals can elect a partial survivor benefit which is based on 25% of one’s unreduced annual base annuity. Your spouse must complete and attach SF-3107-2, Spouse’s Consent to Survivor Election, to your retirement application.
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