>>>>>I am retiring in a few weeks. I am still wrestling with whether to take the available 100% survivor option on my pension (which reduces my pension by about $4000/year) or taking the full undiscounted pension and purchasing term insurance to cover my wife in case of my demise. Are continued medical benefits for your spouse contingent on accepting the survivor option? Just a thought. Medical insurance is expensive these days and might be more than the reduction.
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