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If You Die Before You Retire, What Happens to Your Benefits? Response to Readers' Questions

Designated Beneficiary

Program Analyst
Education
Wed Apr 15, 2009 9:32 AM

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What if you are married, but your designated benificiaries are your adult children, not your spouse. Would it go to the spouse anyway?

WHAT ABOUT NON MARRIED WHO DIES BEFORE RETIREMENT

Chief Steward APWU
US POSTAL SERVICE
Sun May 31, 2009 3:33 PM

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My brother Richard died 02/06/08 intended to retire 06/08 due to a hernia he suffered at work but was never reported or treated and went into strangulation and died at home due to the poisoning it caused. He had about 2375 sick hours that normally would be added to his retirement annuity but no one is entitled to the annuity because he was single. Can my father the executor of Richard's estate sue the post office for the sick leave since someone should be entitled to it if he was married? What does the PO do with all the money for everyone this happens to? Can there be a class action lawsuit because of this loophole? Must all postal employees be forced to get married in order not to lose this annuity before they retire if they die? It is just plain wrong.

Deferred annuity and death

Accountant
USDA
Sun Aug 16, 2009 1:19 PM

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What if you are under FERS, retire under MRA but defer you annuity so as not to invoke the 5% a year penalty. Does your spouse still get the survivor benefit? Also,my health benefits would be covered by my spouse during the non-receipt of annuity period.

Post 41 years, 11 month CSRS contributions

Realty Officer
National Park Service
Mon Sep 14, 2009 6:28 AM

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Your made a comment concerning a survivor of an CSRS employee receiving extra annuity for contributions made by the employee who contined to pay into the CSRS system after working 41 years and 11 month.

Are you implying that after a CSRS employee works more than 41 years and 11 months he/she no longer is required to pay into the CSRS system?

John Grobe 11/20/2008 retirement benefit article

Immigration Officer
Fraud Detection National Security
Mon Mar 1, 2010 8:36 AM

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This article (What happens to my benefits if I die before I retire) was confusing and not fully explanatory. The article failed to indicate what happens to my thrift savings plan assets if I'm married to a non-federal employee and die before I retire. John made a comment that government contributions are not refundable. Does that mean those contributions are not refundable to the government or to my beneficiary? Does this statement only apply to unmarried personnel or to all federal employees. If the "government's contributions are not refundable," what happens to the interest that were generated on those contributions through many years of investing? This article failed to fully explain the hidden snares that lie "between the lines."

Re: John Grobe 11/20/2008 retirement benefit article

editor
FedSmith.com
Mon Mar 1, 2010 8:49 AM
This is an older article that was posted as a subhead for a new one posted on March 1, 2010 and can be seen at http://www.fedsmith.com/article/2334/leaving-money-pot-what-happens-your-tsp.html\

The latest article is specifically about the TSP and may be helpful to you.

If you die

Statistician
US Army
Mon Mar 1, 2010 11:37 AM

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If you die the TSP keep you money...
TSP has billions of money of un-claimed money...
They just to several years ago plublish the list
in case someone knows some family of the decease
now they keep it secret. Bottom TSP still your money if
your family do not claim it. TSP does not contact your
beneficiaries. If your beneficiaries does not claim the
money TSP keep it and very quietly. Please keep your
family aware of TSP or you be rip off by TSP if you die.

After Death Retirement Benefits

GS Employee
779 MDSS
Mon Mar 1, 2010 1:14 PM

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I have three grown children and have one of them as my benificiary for my life insurance, is that person eligable for my retirement benefits after i pass since i have him designated as my beneficiary.

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