CSRS employees may choose from a maximum survivor benefit of 55% or any amount below. FERS employees only have two options. They can leave a maximum 50% benefit or a 25% benefit.
Many employees decide to leave a lower Survivor Annuity and supplement it with private life insurance. There are considerations that need to be taken into account when deciding which option to choose.
You can learn more about the Survivor Annuities and Life Insurance from the following articles.