If you're a federal employee close to retirement and your spouse is on your FEHB plan, one checkbox on your FERS retirement paperwork can have a huge impact on their future. In this episode of Confident Federal Retirement, I walk through how the FERS survivor benefit really works and why it matters so much for both your income and your spouse's health insurance if you die first. You'll learn the difference between the 50%, 25%, and 0% survivor options, how each one changes your pension while you're alive, and what it could mean for your spouse's lifestyle if you're not here.

I also explain the key FEHB rule most people overlook: the requirement for your spouse to be entitled to a survivor annuity or other qualifying benefit to keep FEHB after your death.

When you're ready for one‑on‑one help, visit https://gtwealthguide.com/federal-blueprint to request a personalized Federal Retirement Plan and schedule a call.

We'll map out your federal benefits, TSP, Social Security, and tax plan on one page so you can retire from federal service without guessing.