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Members who claim their CSS benefit on age retirement or redundancy grounds can elect to receive a reduced pension (93% of the normal rate) in return for a higher spouse and/ or childrens pension being payable after their death.
Widow or widower, at full retirement age or older, generally gets 100% of the workers basic benefit amount. Widow or widower, age 60 or older, but under full retirement age, gets between 71% and 99% of the workers basic benefit amount.
If a CSRS employee dies, recurring monthly payments may be made to the surviving spouse if he/she completed at least 18 months of creditable service and was covered under the Civil Service Retirement System (CSRS) at the time of death.
This pension is calculated based on 2.5 times your accumulated basic contributions, multiplied by a pension factor based on your age at claim.
A death benefit is a payout to the beneficiary of a life insurance policy, annuity, or pension when the insured person or annuitant dies. Beneficiaries must submit proof of death and proof of the deceaseds coverage to the insurer to receive the benefit.
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That depends. Some pensions end at death, meaning that no beneficiary or family member gets to claim the pension. But other pensions provide for payments to a surviving spouse or dependent childrenfor a few years for some, and longer for others.
A surviving spouse or child may receive a special lump-sum death payment of $255 if they meet certain requirements. Generally, the lump-sum is paid to the surviving spouse who was living in the same household as the worker when they died.
If you pre-decease your spouse/partner he/she, if eligible will receive 67% of your pension, also for life and also indexed by the CPI. However, when you retire, you have the option to reduce your own pension to 93% of the full amount, which will give your surviving spouse a higher pension of 85% of your pension.

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