Can my 88-year-old father (CSRS postal worker) now qualify for survivor benefits after my mother's 2023 death?
My dad worked for the Postal Service for 41 years under the Civil Service Retirement System (CSRS) and never paid into Social Security. He's now 88 and living on his federal pension alone. My mother passed away last year in April 2023, and she had worked enough to qualify for her own Social Security benefits. Dad never qualified for spousal benefits while she was alive because of the Government Pension Offset (GPO) rules. I've been hearing rumors that there were some recent changes to survivor benefits that might help federal retirees? Does anyone know if he might now be eligible for some survivor benefits from my mom's Social Security record? His CSRS pension is about $4,200/month if that matters for the calculations. I'm trying to help him navigate this since he's struggling a bit financially with medical expenses.
17 comments
Carmen Diaz
Yes, the GPO (Government Pension Offset) still applies to survivor benefits just like it did to spousal benefits. If your father receives a pension from work not covered by Social Security (like CSRS), his survivor benefits will be reduced by 2/3 of his government pension. So with a $4,200 CSRS pension, the offset would be $2,800. That means if your mother's widow benefit would be less than $2,800, he'd receive nothing. If it would be more, he'd get the difference.
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Yuki Tanaka
•Thank you for explaining. Mom's benefit was around $2,100/month when she passed, so it sounds like he'd get nothing then? I was really hoping there might be some help for him.
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Andre Laurent
my neighbor was postal too and he got some $$ when his wife died but not the full amount. something about a new law?? you should check with SSA directly they can tell you for sure
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Emily Jackson
•Theres no new law for CSRS ppl. Your neighbor was probably FERS not CSRS. Different systems.
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Liam Mendez
I think you might be referring to the WEP/GPO reform that's been proposed in Congress several times but hasn't passed yet. The Social Security Fairness Act would eliminate the GPO and WEP penalties for government workers, but it's still just a bill that hasn't become law. However, your father should still apply for survivor benefits! Even with the GPO reduction, if your mother's benefit was substantial, he might get something. Also, SSA sometimes makes mistakes calculating GPO, so it's worth having them do the official calculation. The application process for survivor benefits has a time limit - generally you should file within 6 months of death for maximum retroactive benefits, but since it's been more than a year, I'd recommend applying immediately to avoid losing any more potential benefits.
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Yuki Tanaka
•Thank you for that information. I didn't realize there was a time limit! I'll help my dad apply right away, even if it's just to get an official determination. Do you know what documentation we'll need to bring?
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Sophia Nguyen
My condolences for your loss. Definitely apply regardless! My uncle was CSRS and got a small survivor benefit even with GPO. Every situation is different. You'll need your mom's death certificate, marriage certificate, dad's CSRS pension statement, and both their Social Security numbers. Good luck!
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Yuki Tanaka
•Thanks so much for the kind words and advice. I'll gather those documents this weekend and try to help him apply next week.
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Jacob Smithson
The whole GPO thing is SUCH a ripoff for federal workers!!! My dad paid into the system for 15 years before becoming a postal worker and gets NOTHING from those contributions. Meanwhile my mom gets nothing from his record either because of this stupid rule even though they were married 52 YEARS! The system is rigged against federal employees and Congress doesn't care!!!
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Emily Jackson
•Totally agree. My parents are in the same boat. Mom worked part time all her life but gets barely anything because of my dads postal pension. They paid in but don't get the benefits. Not fair.
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Isabella Brown
Have you tried calling Social Security directly? Good luck getting through! I spent 3 weeks trying to reach someone about my survivor benefits. Finally used a service called Claimyr (claimyr.com) and got through to SSA in 15 minutes instead of waiting on hold for hours. They have a video showing how it works: https://youtu.be/Z-BRbJw3puU The SSA rep was able to check my specific situation and tell me exactly what I qualified for, which was different than what I thought based on online research. Sometimes the calculations are complicated with GPO situations and only SSA can give you the exact answer.
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Yuki Tanaka
•That's really helpful, thank you! I've been dreading the phone calls since Dad tried calling once and gave up after being on hold for over an hour. I'll check out that service.
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Carmen Diaz
One more thing to consider - if your mother had divorced and remarried at any point, or if your father remarries in the future, that could affect eligibility for survivor benefits. The marriage must have lasted at least 9 months for survivor benefits (with some exceptions), and remarriage after 60 doesn't affect eligibility. Just mentioning in case any of these special situations apply.
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Yuki Tanaka
•No divorces or remarriages - they were married for 61 years before mom passed. Dad has no plans to remarry at 88! But that's good information to know about the rules.
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Andre Laurent
hope ur dad gets something! the rules r so confusing
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Liam Mendez
After you apply, you can appeal if you disagree with their determination. Many people don't realize there's a formal appeals process. The first level is called "Reconsideration" and must be filed within 60 days of receiving their decision. About 15-20% of reconsiderations result in a changed decision, so it's worth trying if you think they made an error in the calculation.
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Yuki Tanaka
•I appreciate knowing about the appeals process. I'm going to go ahead and apply for him just to find out for sure. Thanks to everyone for all this helpful information!
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