Survivor’s pension benefit

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Q. I am a CSRS retiree from the Department of the Army. My Social Security benefits are set at $40 a month and will not get any higher. My husband retired with New York state benefits. I am told I cannot receive half of his Social Security benefits if he passes away. Is that still true? If so, why?

A. If you are entitled to a survivor’s pension benefit, your Social Security benefit may be subject to the Government Pension Offset. Review the rules here to see if it will apply to you: https://www.ssa.gov/pubs/EN-05-10007.pdf.

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Mike Miles is a Certified Financial Planner licensee and principal adviser for Variplan LLC, an independent fiduciary in Vienna, Virginia. Email your financial questions to fedexperts@federaltimes.com and view his blog at money.federaltimes.com.

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