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For many federal employees, making arrangements to maintain health insurance for a surviving spouse, after the death of the annuitant, is a priority.  There are many choices for the retiring employee to select from.

The requirements to maintain health insurance for your surviving spouse vary according to the federal system under which you are retiring.

    Under CSRS, the minimum amount you can leave a survivor in order for them to maintain their health care is one dollar ($1.00) per month. “Survivor Benefits Elections, Court-Ordered Benefits, and Children’s Benefits,” Office of Personnel Management
    Under FERS, the minimum election you can make to provide your survivor health insurance after your death is 25% of your un-reduced annuity. “Survivor Benefits Elections, Court-Ordered Benefits, and Children’s Benefits,” Retirement Information and Services Office of Personnel Management

If you are a federal employee contemplating filing, or have already filed, an application for a disability retirement annuity, you should consult an experienced attorney.  At Andalman & Flynn, our team of legal professionals can assist, and represent, you in defending your rights and increasing your chances of success with your disability retirement annuity claim.

If we can be of assistance to you, please call us at (301) 563-6685 or toll-free at (888) 558-7871.  You can also complete one of the contact forms directly on our website, and we will contact you for a consultation concerning your situation.

By: Elliot Andalman, Andalman & Flynn- reply via email at

We have significant experience representing clients seeking disability benefits. For more information and how you may be impacted, contact one of our Disability Benefits attorneys, Elliott Andalman and  Peter Casciano.