If the employee is survived by anyone eligible for an insurance annuity in the month in which the employee died, no lump-sum death benefit will be paid by the RRB.
If you are eligible to receive an annuity from the RRB based on your own railroad service, both that annuity and your survivor annuity will be paid to you, although an adjustment will be made in the amount of the survivor annuity.
If you are eligible to receive a Spouse annuity on another claim number or another survivor annuity (i.e., a Widow(er)'s annuity or Parent's annuity) from the RRB, only the higher annuity will be paid.