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the concern is that if my father passes first my mother will only have his social security because he took 100% of pension. He should be ok if my mother passes first.

Too late for you but more for other people reading. Here is where the mistake was made and more thought should have gone into the decision. Statistically women live longer than men. The decision on what type of pension payout to take should be very considered. I would only go with 100% for a man if you have somehow self-insured that income for the surviving wife.

Basing a financial plan on expectation of death w/o any basis(terminal illness, etc) is not a plan. I think your parents would benefit by paying for a couple of hours with a fee-based financial planner who specializes in retirement issues.
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