Federal Employees Retirement & Benefits Podcast by CD Financial

FERS Federal Survivor Benefit Elections – What You Need to Know!

Charles Dzama

You don’t need to work longer; you just need a better plan. Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

"Financial freedom starts with a plan that protects what matters most—your loved ones and your future."

Topics to consider as you ponder this decision:
 • Survivor Benefit choices: should I take 25%, 50%, or 0?
 • Once elected, you can’t go back – one & done.
 • It’s not cheap, but it might be essential.

Chapters
0:01 - Podcast Introduction
0:35 - What Are Federal Survivor Benefits?
2:15 - Decision Timing: When and How to Choose
4:00 - Survivor Benefit Options: 0%, 25%, or 50%?
6:45 - How to Maximize Your Pension
8:30 - Health Insurance Implications for Survivors
10:15 - Survivor Benefits vs. Life Insurance: What Works for You?
12:00 - Navigating Emotional Conversations with Loved Ones
14:30 - Common Mistakes in Survivor Benefit Elections
18:20 - Minister of Finance’s Top Tips for Federal Employees
20:30 - Health Tip of the Day: The Power of Myrrh

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Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.
Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.

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