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[Music] hey in todays video we are going over the survivor benefit options and what may be best for your family so lets explain it coming up next [Music] hey my name is mel stubbs im here on behalf of retirement benefits institute talking to federal employees about their retirement system and how to plan better for it if you like this information please subscribe so you can continue to get more of it each and every week today were talking about survivor benefit and what survivor benefit is is if you the federal employee die do you want to leave a portion of your pension to somebody else most of the time this is being left to a spouse a lot of times we get questions about can we leave it to a child and the answer is yes but it comes at a cost so if the person youre leaving it to is not of a similar age and theyre a bunch younger than you then the costs can go way up sky high as much as 40 of your pension so well talk about in a minute usually the cost are either 5 of your pension