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DROP beneficiaries, death and divorce

Checked against frs.fl.gov (2026 DROP Guide, DP-11 rev 08/26) · Last reviewed November 4, 2026

Short answer: Your FRS designated beneficiary receives your DROP accumulation; under Options 2–4 they may also get continuing monthly benefits. [FRS 2026 DROP Guide, p.22]

If you die or divorce during DROP: the details

• Option 2's 120-month guarantee starts when DROP begins. [FRS 2026 DROP Guide, p.22]
• Change Option 1/2 beneficiaries with Form FST-12; joint annuitants can be changed only twice during retirement (Form JA-1). [FRS 2026 DROP Guide, p.21]
• After divorce you can nullify a joint annuitant with Form JA-NULL unless a QDRO prevents it; under Option 4 the benefit drops by one-third. [FRS 2026 DROP Guide, p.22]
• Survivors of DROP participants are not eligible for in-line-of-duty death benefits. [FRS 2026 DROP Guide, p.22]

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