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

Article URL: http://www.fedsmith.com/article/1770/if-you-die-before-you-retire-what.html

Military Deposit

Director
HUD
Thu Nov 20, 2008 9:58 AM

What happens to any military deposit that was paid in to the FERS retirement system if I die prior to retirement and my spouse of 40 years has preceeded me in death and I have a disabled (before 18) adult child that survives me and my spouse.

Died in the office

Director
VA
Thu Nov 20, 2008 11:19 AM

I'm afraid if I died while sitting in my office with the door closed that no one would notice or miss me!

Re: Died in the office

Supervisor
USDA Forest Service
Fri Nov 21, 2008 9:11 AM
You need to get out more, do something with your family, and make some friends. Don't count on co-workers to be your family.........it's just work. I know you are trying to make a point, but so I am I. I was in the situation described in this article..........my federal employee husband died in service and it was a difficult thing to understand and work my way though. That is the point of the article, not that you feel unappreciated.

Death in Service

Fed Worker
DoD
Sat Nov 22, 2008 8:46 AM

The way the stock Market is going we may all die in service.

Thank You

Analyst
Social Security Adm
Thu Dec 4, 2008 9:06 AM

You ROCK John Grobe!! Great information.

FEHB

QA Supervisor
DSCR
Thu Dec 4, 2008 9:31 AM

Your article says your spouse continues with the FEHB if 2 conditions are met. Survivor benifit and under a family plan. My spouse was under family for twenty five years. Now we have 2 self plans since the kids are gone. How does that work?

what about non-citizen spouses

Program Assistant
HRSA
Mon Dec 8, 2008 1:58 PM

My wife is not yet a U.S. Citizen. She is a U.S. Permanent Resident. We read somewhere that if something were to happen to me, and she was still not yet a citizen, that she would ave to pay 40% taxes to the government on whatever she receives. Is this true?

Sick Leave

Inspector
FRCE
Tue Apr 14, 2009 12:05 PM

Can you please post and answer to this question. If you retire as a CSRS with 41 years and 11 months. I have read that you retire with 80% the exception if you have (1) year of sick leave you can acutually retire with 82% to include the year of sick leave. How ever 82% is the maximum. Regardless if you have (2) years or more of sick leave you are only going to get the one year added to your retirement and no more. Would you be so kind and post an answer to this question so that those who might fall into this category don't get the wrong information on this matter.

Designated Beneficiary

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

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

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

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

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?