If you’re a federal employee or retiree, understanding your survivor benefit options could mean the difference between financial stability and unexpected shortfalls for your spouse. In this episode of Rayna Retirement, Rayna Reyes breaks down how survivor benefits work for CSRS and FERS employees, who can receive them, and how they compare to life insurance payouts.
She’ll walk you through:
- The exact choices available under CSRS and FERS rules
- How to weigh monthly taxable survivor benefits against lump sum tax-free life insurance
- Special cases like “Twinkies” (two federal employees married to each other) and how it changes the math
- Why health insurance continuity can be just as important as monthly income
- How to make a survivor benefit choice that truly matches your family’s needs
Whether you’re thinking about retirement or already planning your legacy, this episode will help you confidently decide how to provide for your “Honey Bunches of love.”
Call Rayna directly at 850-450-6500 or contact the team at American Federal Benefits Consultants at 1-800-872-8857. We’ll walk you through your specific FERS or CSRS options, compare them with your life insurance, and help you protect your spouse in the most cost-effective way.
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Contact: Rayna and the team at American Federal Benefits Consultants, call 1-800-872-8857 or visit AmericanFederal.org.
YouTube: https://www.youtube.com/@RaynaRetirement
Rayna Retirement is the go-to podcast for federal employees – or anyone – looking to make smarter financial decisions with clarity and confidence. Hosted by Rayna Reyes, co-founder of American Federal Benefits Consultants, this show simplifies the complexities of retirement, benefits, and financial planning.
Whether you're navigating your FERS or CSRS pension, maximizing your TSP, or seeking expert advice on 401(k)s or IRAs, Rayna is here to guide you every step of the way. Tune in for practical knowledge, ethical solutions, and expert insights as you prepare for a secure and fulfilling retirement.
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