Joint & Survivor Options

If you are married at the time you begin your benefits, your pension will be paid on a actuarially reduced basis payable for the member’s lifetime. Upon your death, your living spouse will receive a benefit equal to the portion of all of the monthly pension you were receiving at the time of your death.

Qualified Joint & 50%  Survivor Annuity
Upon your death, your living spouse will receive a benefits equal to 50% of the monthly pension benefit you were receiving at the time of your death. This form of benefits ill be automatically applied unless you elect an alternate form of benefits  and the Qualified  Joint & One-Half Survivor Annuity is properly waived by your spouse.

Qualified Joint & Two-thirds Survivor Annuity
Upon your death, your living spouse will receive a benefit equal to two-thirds of the monthly pension you were receiving at the time of your death.

Qualified Joint & 75% Survivor Annuity
Upon your death, your living spouse will receive a benefit equal to 75% of the monthly pension you were receiving at the time of your death.

Qualified Joint & 100%  Survivor Annuity
Upon your death, your living spouse will receive a benefit equal to 100% of the monthly pension you were receiving at the time of your death.

Joint & Survivor with “Pop-up” Option
When selecting elections for retirement, a member can select a “pop-up” option to be added to any of the above Joint & Survivor benefits. With a “pop-up”, you receive a reduced monthly pension payable for your lifetime. Upon your death, your living spouse will receive a benefits equal to the option you selected. However, should your spouse die before you, your benefit would “pop-up” to the amount that would have been payable as a Single Life Annuity.