Taxes and the FERS survivor benefit


Q. Under FERS, is the amount deducted from the FERS annuity (5 percent or 10 percent) taxable income or is it non-taxable income? I am retired military and the contribution toward the Survivor Benefit Plan is non-taxable, so I am wondering if FERS follows suit.

A. The cost of providing the FERS survivor benefit is not reported as taxable income.


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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 and view his blog at

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