22 CFR § 19.10-1 - Full annuity.

---
identifier: "/us/cfr/t22/s19.10-1"
source: "ecfr"
legal_status: "authoritative_unofficial"
title: "22 CFR § 19.10-1 - Full annuity."
title_number: 22
title_name: "Foreign Relations"
section_number: "19.10-1"
section_name: "Full annuity."
chapter_name: "DEPARTMENT OF STATE"
subchapter_number: "B"
subchapter_name: "PERSONNEL"
part_number: "19"
part_name: "BENEFITS FOR SPOUSES AND FORMER SPOUSES OF PARTICIPANTS IN THE FOREIGN SERVICE RETIREMENT AND DISABILITY SYSTEM"
positive_law: false
currency: "2026-03-24"
last_updated: "2026-03-24"
format_version: "1.1.0"
generator: "[email protected]"
authority: "Secs. 206 and 801 of Foreign Service Act of 1980 (94 Stat. 2079, 2102); Sec. 4 of Act of May 26, 1949 (22 U.S.C. 2658)."
regulatory_source: "46 FR 12958, Feb. 19, 1981, unless otherwise noted. Redesignated at 46 FR 18970, Mar. 27, 1981."
cfr_part: "19"
---


# 19.10-1 Full annuity.

If a participant retires and does not provide a survivor annuity to a spouse, former spouse or designated beneficiary, the participant receives a “full” annuity. A full annuity means an annuity computed without any survivorship reduction. Example: Average salary $20,000 and maximum of 35 years of service.

|  |  |
| --- | --- |
| Average basic annual salary for high 3 consecutive years of service | $20,000 |
| Multiplied by 2 pct | .02 |
|  | $400.00 |
| Multiplied by 35 years of creditable service | .35 |
| Full annuity | $14,000 |