[Code of Federal Regulations] [Title 22, Volume 1] [Revised as of April 1, 2003] From the U.S. Government Printing Office via GPO Access [CITE: 22CFR19.10-1] [Page 110] TITLE 22--FOREIGN RELATIONS CHAPTER I--DEPARTMENT OF STATE PART 19--BENEFITS FOR SPOUSES AND FORMER SPOUSES OF PARTICIPANTS IN THE FOREIGN SERVICE RETIREMENT AND DISABILITY SYSTEM--Table of Contents Sec. 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 $20,000 service...................................................... Multiplied by 2 pct........................................... .02 --------- $400.00 Multiplied by 35 years of creditable service.................. .35 --------- Full annuity.................................................. $14,000