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<< ??? If the pensioner is unmarried when the pension begins, the single life option is the only one he has. >>

Calm down

My question marks were an expression of question, not high emotion. Sorry you misunderstood. It is the problem of lack of other cues that help in oral communication.

- it was an example of unforeseen circumstances and one that might require different or a change in planning.

Actually, it was not an example of that. I don't think anyone has cause to be surprised when a spouse's pension ends when the spouse dies. So far, we have no examples where the survivor shouldn't have known this in advance.

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