Estimate the survivor annuity your spouse will receive and choose the right coverage level
See how different election options affect your pension and your spouse's survivor benefit
Use the sections below to align this calculator with your real planning questions—each block matches a common search intent.
Choosing a survivor annuity reduces your annuity now—model the trade-off for your spouse’s long-term security.
Survivor coverage can affect whether a surviving spouse keeps FEHB—confirm with HR and OPM.
TSP beneficiary designations operate separately from FERS survivor elections.
Official rules change periodically. Cross-check estimates with Retirement Services at OPM.gov and your agency’s human resources office.
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