Excerpt: The wife will be entitled to receive a substantial pension in return for her years of service with her employer, but she must decide between two options. Option A provides the largest monthly check, but at her death all payments stop, leaving no benefit to her husband. Option B would provide her with about $3,000 less income per year for the rest of her life, but if the wife dies before her husband, he would continue to receive a monthly survivor benefit[.]

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