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I have not seen that in the US. Usually, you get to choose how much benefit you want to go to a spouse, inversely correlated with the benefit you receive.

So you can choose your whole monthly benefit for just your life, then less for a joint and survivor (J&S) 50% benefit, and an even lesser amount for J&S 75% benefit, and finally a J&S 100% benefit option.



Thanks, I had wondered how that worked.

My grandmother had a pension which came from her late husband (in addition to her own pension). She avoided remarrying because that would have also terminated that survivor pension, apparently. She cohabited for decades with a man (my de-facto grandfather) who also collected a similar pension from his late wife. A rather silly restriction, if you ask me. They made the right call.




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