Pension Survivor Benefits: How They Work After a Death
Pension survivor benefits are payments made to a surviving spouse or another eligible person after a pension plan member dies. Who qualifies depends on the plan and the choices the member made.
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Federal civil service example
The U.S. Office of Personnel Management describes a survivor annuity as a monthly payment to a surviving spouse, former spouse or eligible child. For retirees, it is payable only if the retiree elected a reduced annuity to provide it. For a surviving spouse of a retiree, OPM says the marriage must have lasted at least 9 months, with exceptions. OPM lists the documents needed, including a certified copy of the death certificate and a copy of the marriage certificate if not already on file.
Private plans insured by PBGC
The Pension Benefit Guaranty Corporation says it makes survivor benefit payments to the person the participant named, preretirement survivor benefits to a surviving spouse, and unpaid amounts to a beneficiary. To report a death, PBGC asks for a certified copy of the death certificate.
Frequently asked questions
Who is eligible?
It depends on the plan. OPM and PBGC each set their own rules, so check with the plan administrator.
Do I need a marriage certificate?
OPM lists one among its documents if it is not already on file. Other plans may differ.
How soon should I report the death?
PBGC asks that a death be reported as soon as possible. Ask your plan for its timing.
Sources
US Records is a private company and is not a government agency. Government agencies issue certified records; we help you order them.
Written By
US Records TeamThe US Records Team writes and reviews guides on birth, death, marriage and divorce certificates, using state statutes, agency instructions and court records as sources.
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