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November 11, 2025 9 mins

Losing someone you love is never easy — emotionally or financially. In this episode of Rayna Retirement, host Rayna Reyes, co-founder of American Federal Benefits Consultants, shares compassionate and practical guidance for federal employees and their families on what to do after the death of a loved one. 

Rayna explains:

  • The first steps to take when a spouse or family member passes away
  • How to file life insurance claims (including FEGLI) and what to expect
  • The key differences between spousal and non-spousal TSP beneficiaries
  • How inherited IRAs work under today’s 10-year rule
  • What additional survivor benefits are available if the person was still employed at the time of death

Whether you’re a spouse, child, or executor, this episode helps you understand the order of operations and avoid costly tax mistakes — all while reminding you that you don’t have to go through it alone.

Contact Rayna directly at 850-450-6500
Or call the American Federal Benefits Consultants team at 1-800-872-8857
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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