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What Happens to Your Federal Employee Benefits if You Die While Still Working?

TSP of deceased spouse

Retired Federal Employee
DHS USCG
Wed Nov 12, 2008 9:18 AM

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If the spouse of a federal employee is a retired federal employee but took out her TSP and placed in a diversified portfolio, can she keep her spouses's TSP in the TSP?

Survivor Benefits Annunity

Training Specialist
DOL/OSHA
Wed Nov 12, 2008 9:31 AM

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I am under the FERS system and divorced. At this time in my life I actually want my ex-spouse to receive my benefits to help raise our children. I currently have 20 years of service. Would my ex-spouse be entitled to a full survivor annunity?

Re: Survivor Benefits Annunity

retirement benefits specialist
OPM
Wed Nov 12, 2008 10:09 AM
if you don't have a court order to provide benefits to your former spouse, you may elect a survivor annuity for a former spouse. see application for immediate retirement.

the article

Receptionist
SEC-Boston
Wed Nov 12, 2008 9:35 AM

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what if you are w/FERS, not married but have a life partner,?? but he is your beneficiary, will he get what is due to him??

Re: the article

retirement benefits specialist
OPM
Wed Nov 12, 2008 1:01 PM
You can designate persons of your choice to be the beneficiary of your life insurance, tsp, and any retirement benefits not paid out to you after retirement. There are no provisions under federal retirement for a domestic partner. You may elect an insurable iterest to provide a survivor annuity for your partner.

Life partner

Computer Specialist
VA
Wed Nov 12, 2008 9:56 AM

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I had a feeling that the life partner will get the life insurance, TSP, annual leave, credit hour, and comp time, but not the health insurance and survivor benefit since the latter part require a marriage certificate. That is if the life partner is designated in one's Official Personnel Folder (OPF).

Re: Life partner

GS
DOL
Wed Nov 12, 2008 2:05 PM
If the life partner is set as the beneficiary, yes. However, they would have to pay income tax on everything, unlike a legal widow or widower.

What about me?

GS
DOL
Wed Nov 12, 2008 10:03 AM

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If you are under FERS, your domestic partner who is joint-owner, joint-contributor, joint-debtor of everything you own, who will continue raising the children, sending them to college, running the household, farm, etc. will receive a lump of coal.

Notice that gay and lesbian employees and families are not mentioned in the article because we do not exist -- just like in Iran.

Re: What about me?

Diversity Manager
DOL
Wed Nov 12, 2008 9:31 PM
there are lots of unmarried people living together that are in the same boat

Re: What about me?

GS
DOL
Thu Nov 13, 2008 9:46 AM
Yes, there are a lot of unmarried straight couples who are in that boat by choice. They CAN get married. We can not.

Re: What about me?

worker bee
Fed Agency
Thu Nov 13, 2008 2:55 PM
GS - DOL, well the other side of that coin is that if the relationship goes south, "life partners" can just walk away w/o any obligation to pay alimony or child support, no division of a 401k or other assets, and no enormous bill from a divorce attorney.

Re: What about me?

GS
DOL
Thu Nov 20, 2008 10:11 AM
worker bee: i really don't think that the "benefit" you mention outweighs the right to marriage.

I do not live in an alimony state; if one partner is the birth mother, the other adopts so that both are legal parents and liable for child support; because things such as real property, bank accounts, automobiles, mutual fund accounts, etc. are usually jointly owned, a split-up can involve lawyers -- but possibly be less costly because of less drama and hostility.

Survivor Annuity

Accountant
USEPA
Wed Nov 12, 2008 10:20 AM

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What happens if I was a single employee for most of my working years and much later in life decide to get married. How can I alter my spouse entitlement to full annuity? I think my benefitiaries should come before someone I have only been married to for a few years.

What happens to benefits if I die while employed

Management Analyst
Social Security Adm
Wed Nov 12, 2008 10:29 AM

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If I do not have a surviving spouse, what happens to my CSRS contributions? What about the government's share contributed for me?

Total Comments: 61
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