Congratulations on your early retirement! I don't know what your pension monthly payment would be, but frequently you can take 100% as you said, or 75% and your surviving spouse would continue receiving payments or 50%, etc. You may be able to buy life insurance with the pension payment differential which would protect your spouse if you were to die first. For example, if you would get $1000 month with 100% or $750 a month with 75% including your wife, you could spend up to $250 a month on life insurance if you took the 100% and if you died first your wife would recieve the life insurance payout to live off of. If your wife died first you would still receive 100% pension payout.Hope this helps.Good Luck!Cmuspirit
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