Death After Retirement Benefits Begin

If you die after retirement, death benefits are payable based on the form of pension payment you elected when you retired. However, if you elected the 50% or 75% Joint & Survivor Annuity but you have been married for fewer than 12 months when you die, your surviving Spouse will automatically be entitled to the 120 Month Guarantee adjusted for the amounts you received as a Joint & Survivor Annuity. If you deferred all or a portion of the Lump Sum at Retirement Benefit to be paid upon your death. The amount of benefit deferred will be paid to your beneficiary.