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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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Note: FederalSoup.com has attempted to compile information that is as accurate and current as possible for federal employees. Federal policies, laws, regulations, statistics and addresses continually change. Therefore, no warranties are made as to the accuracy or completeness of the information presented in this column. If additional clarification or information is needed, it is suggested that competent and professional assistance be sought. Mr. Zurndorfer does not moderate other forums on FederalSoup and will not reply to general FederalSoup inquiries submitted in this Q&A forum.

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Mac86  
#1 Posted : Thursday, February 28, 2019 9:22:50 AM(UTC)
Mac86

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I am asking this question for a coworker who is a single mom. She would like to know what would happen to her two daughters if she were to die before or after retirement and they are either in high school or college. Would the two daughters be entitled to any of her federal pension? Could she list them as an "insurable interest" on her retirement paperwork? Would they be able to keep their FEHB until they are 26 or will they lose their health care coverage because they are not getting a civil service annuity? Unfortunately I think I already know this answer, but I wanted to check with an expert.
Ed Zurndorfer  
#2 Posted : Thursday, February 28, 2019 9:56:36 AM(UTC)

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If your co-worker were to die before or after she retires from federal service, her daughters would be eligible to receive children survivor benefits and FEHB benefits until age 18 or until age 22 (if they are full time college students between ages 18 and 22). They could be the beneficiaries of their mother's TSP and FEGLI life insurance. For more information, your co-worker should download (at no cost) the FEND publication "Your FERS Retirement" at https://federalsoup.com/...tc=assetpg&tc=page0.
Mac86  
#3 Posted : Friday, March 01, 2019 5:04:26 AM(UTC)
Mac86

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Thanks for your response. I printed it out and gave it to my coworker, along with the retirement pamphlet you recommended.
Ed Zurndorfer  
#4 Posted : Friday, March 01, 2019 5:46:25 AM(UTC)

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You are most welcome.
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