How Spousal Consent Can Block TSP Withdrawals—And Why Beneficiaries Control the Account After Death

The article explains how married FERS participants can be restricted by TSP spousal consent requirements when taking withdrawals, potentially delaying access to funds. It also clarifies that after the participant’s death, the TSP is paid based on beneficiary designations—not automatically controlled by the surviving spouse—highlighting the importance of keeping beneficiaries up to date.