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Federal Employees Benefits Q &A

Do you have questions about your federal employee CSRS or FERS pension/annuity or federal employee retirement planning? Concerns about your Thrift Savings Plan (TSP) account or what about federal employee pay and leave issues?

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The Q&A forum is moderated by Ed Zurndorfer -- an expert on federal employee benefits -- and a Certified Financial Planner, chartered life underwriter and chartered financial consultant in Maryland.

Zurndorfer is also the author of several federal employee benefits guides published by Federal Employees News Digest.

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#1 Posted : Monday, September 2, 2019 12:04:44 PM(UTC)

Rank: Newbie

Groups: Registered
Joined: 8/19/2019(UTC)
Posts: 8

Hello Ed,

Do you have any input on survivor benefits? Being in my early 40's, I would have many years of paying 10% of my annuity towards a survivor benefit. 10% equals thousands of dollars per year in survivor benefit premiums (reduction in annuity). Being so young, I would pay this amount for quite some time (30+ years??). It's a tough call that i am having difficulty making. Of course, I like the guaranteed payments and FEHB to my spouse. But is it worth the cost? Would additional life insurance be more worthwhile? Also, if my DR was ever terminated, I would have paid years of high premiums for no benefit. I am aware that decisions need to be made based on uncertain future events. I just can't seem to find adequate guidance.

Thanks so much.
Ed Zurndorfer  
#2 Posted : Monday, September 2, 2019 1:13:52 PM(UTC)
Ed Zurndorfer

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The FEND publication, Your FERS Retirement 2019 (which can be downloaded at no cost from https://federalsoup.com/...ement-2019.aspx?tc=page0)discusses survivor benefits under FERS.
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