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The basic employee death benefit (BEDB) is a lump sum death benefit payment made to the surviving spouse of a deceased employee covered by the Federal Employees Retirement System (FERS).
If you retire under the Civil Service Retirement System (CSRS), the maximum survivor benefit payable is 55 percent of your unreduced annual benefit. If you retire under the Federal Employees Retirement System (FERS), the maximum survivor benefit payable is 50 percent of your unreduced annual benefit.
The Survivor Benefit Plan (SBP) allows a retiree to ensure, after death, a continuous lifetime annuity for their dependents. The annuity which is based on a percentage of retired pay is called SBP and is paid to an eligible beneficiary. It pays your eligible survivors an inflation-adjusted monthly income.
CSRS Employees If you are covered by the Civil Service Retirement System (CSRS) or CSRS-Offset, your spouse is entitled to a survivor benefit provided you have at least 18 months of civilian service and you were married for at least 9 months.
Your spouse or civil partner may get a pension when you die. The amount that they may be entitled to will depend upon: The amount of your pension that you have built up. The sum that they receive as a pension will be a percentage of what you have built up.
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Death after you retire We may pay a death benefit lump sum if you die within five years of retiring. We work it out as the difference (if any) between five times your annual pension on the date you died and the total pension and lump sum payments you have already received.
Generally, a lump-sum payment will equal the pay the employee would have received had he or she remained employed until expiration of the period covered by the annual leave.
If you retire under the Civil Service Retirement System (CSRS), the maximum survivor benefit payable is 55 percent of your unreduced annual benefit. If you retire under the Federal Employees Retirement System (FERS), the maximum survivor benefit payable is 50 percent of your unreduced annual benefit.
Survivors, family, or estate representatives are required to notify OPM in the event of the benefit recipient's death. Life Events, such as marriage/divorce, death of spouse or reemployment can affect benefits and must be reported to OPM immediately. We can be contacted by email: retire@opm.gov.
CSRS Lump Sum Payment Order of Precedence Upon the Death of a Current Employee. If you die leaving no survivors who qualify for a survivor annuity, your contributions to the Civil Service Retirement Fund, plus any applicable interest, will be paid as a lump-sum death benefit.

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