Survivor Benefit Plan Estimator

SBP provides a continuing monthly annuity to your survivor after your death. The premium is 6.5% of your SBP base amount, paid from your retirement pay. The annuity is 55% of that base — and it's indexed to inflation. Compare the value against private life insurance.

SBP is inflation-protected — annuity amounts increase with Social Security COLA annually. Once elected at retirement, SBP is hard to cancel (requires spouse's notarized consent). Since 2023, the SBP-DIC offset was eliminated — surviving spouses can now receive both SBP and DIC in full.