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Elections of FERS Coverage OPM Form

Elections of FERS Coverage OPM Form

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hello brad bob here and today i want to talk about the first survivor annuity so this is something you're going to have to make a decision on at retirement okay so when you get to retirement you you're going to have your first annuity right so you got your first annuity of let's say thirty percent your high three and let's just say your first annuity is three thousand dollars okay now the reason for the first survivor annuity is so that if you die before your spouse then your spouse gets something from your first annuity okay so if you choose to take that full 3000 then that would be taking no survival all right and if you choose no survivor annuity that means zero to spouse okay the only exception here is if you haven't used everything that you've paid in however most first retirees are going to use all of their contributions that they paid in within a year or so okay once you're retired for about a year you're gonna get

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