I have a guy at work like that
I said, if you die in twenty years in one day she gets nothing, loses, the smaller of the two social security checks plus gets pushed into a higher tax bracket because she's single.
There was a member to used to post on her and her dad retired with without no survivorship options and died very shortly afterwards, and the mother struggled for the rest of her life.
If you're married, you want to make sure the pool boy or mail man will take care of your wife