FoxHunter

No Bill, just a little fact that many are not aware of. I only had 24 years when I retired and my FedEx pension was reduced $1300+ a month for the 50% survivor benefit. My wife is only six years younger. The younger the spouse the bigger the hit. My Seaboard/Tiger Pilot Pension had no reduction for survivor benefits. Unknown to me before the retirement process if I did not select/accept survivor benefits with my FedEx pension my Seaboard/Tiger could not have the free survivor benefits. There are also some other options, but they all result in a reduction of that max $130,000 pension. If you want the $130,000 you have to select the option that leaves nothing to anyone at your death.