FERS Survivor Benefits: Complete Guide and Calculator

Last updated: February 4, 2025

Understanding FERS Survivor Benefits

FERS survivor benefits provide crucial financial protection for your loved ones. Understanding your options and their implications is essential for comprehensive retirement planning.

Calculate Survivor Benefit Impacts: Use our Retirement Planning Wizard to analyze different survivor benefit options.

Survivor Benefit Options

  • Full survivor benefit (50%)
  • Reduced survivor benefit (25%)
  • No survivor benefit
  • Cost implications

Important Considerations

  • FEHB continuation requirements
  • Cost vs private insurance
  • Impact on your annuity
  • Spousal consent requirements

Plan Your Survivor Benefits

Visit GovRet.com to:

  • Calculate survivor benefit costs
  • Compare benefit options
  • Analyze insurance alternatives
  • Make informed decisions
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