This decision matrix compares the maximum survivor benefit, partial survivor benefit, and no survivor benefit options in plain dollars. Users can see the monthly pension reduction, projected long-term cost, survivor income protection, and FEHB implications of each election.
FERS Survivor Benefit Decision Matrix
$10.00
Description
Understand the true cost and value of protecting your spouse in retirement.
At retirement, federal employees must make a critical survivor benefit decision that can affect both household income and a spouse’s ability to maintain FEHB coverage. This decision matrix compares the maximum survivor benefit, partial survivor benefit, and no survivor benefit options in plain dollars. Users can see the monthly pension reduction, projected long-term cost, survivor income protection, and FEHB implications of each election. Rather than treating the survivor benefit as just another retirement form, this tool helps users understand the real trade-off between keeping more pension income today and protecting a spouse’s financial security tomorrow.
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