If you elect this option, your annuity will be reduced by 10%.Under the Federal Employees Retirement System (FERS) an annuitant may elect from the following survivor benefits: An annuitant elects a survivor annuity for a spouse at retirement on the retirement application and an election results in a reduction to the annuitant’s monthly annuity for purposes of paying for the cost of the survivor annuity amount elected. If annuitants are married at the time of retirement, they must provide maximum survivor benefits to their spouses unless their spouses consent to an election of less than a maximum survivor annuity. If an employee dies with at least 18 months of creditable service, a current spouse or former spouse (if awarded in a court order) may be entitled to the Basic Employee Death Benefit. If an annuitant has exhausted all their retirement deductions, accrued annuity for the number of days they lived in the month they passed (minus any health benefit or life insurance premiums) may be payable. If there is not and will not be anyone eligible for a monthly survivor annuity, a lump-sum of any remaining retirement deductions may be payable. Creditable service and length of marriage requirements must also be met. What Types of Survivor Benefits May Be Payable by OPM? Monthly AnnuityĪ monthly annuity may be payable to a current spouse, former spouse (if a retiree elects this benefit or if it is awarded by court order), a minor child, disabled dependent and/or student. There are only three exemptions that would allow for a paper check: if the recipient is over 90 years old, if the recipient lives more than 50 miles from an ATM, or if recipients are unable to manage their own finances. If you are receiving a monthly benefit, the Department of Treasury requires that federal payments be sent via electronic funds transfer (EFT). If you are receiving a one-time lump sum benefit, payment may be sent via hard copy check or direct deposit. ![]() On your application for death benefits, there is a section that asks you how you would like to receive your payment. If I’m eligible, how will I receive my payment? Once the specialist has all documentation needed, they will process the claim accordingly. If additional information is needed to process the claim, the specialist will reach out directly to the survivor(s) and/or agency. If the claim involves the death of an employee, it will be assigned to a specialist once OPM has received the death package from the employing agency and payroll office. Once OPM has received a complete application, the claim will be assigned to a specialist for processing in the order in which it was received. What to expect after submitting your application? If you are a court-appointed administrator, executor or other official of the estate of the deceased, include a copy of the appointment with a raised seal.If you are a child of the deceased, include a copy of your birth certificate showing both of your parents’ names.If you are the widow/widower, include a copy of your marriage certificate.Submit a copy of final divorce, annulment, or death certificate with your application. ![]() We cannot accept a pending death certificate.
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