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<blockquote data-quote="Red Headed Stranger" data-source="post: 6098628" data-attributes="member: 90351">Completely agree.&nbsp; If you think about it, does the property taxes and homeowner&#039;s insurance go down just because one person dies....NOPE!&nbsp; Does the electric, trash, water, heat bill go down because only one person is living in the house....most likely NO.&nbsp; The only thing that goes down is the price of groceries and that&#039;s not enough reason to not include your spouse in your retirement plan.&nbsp; Years ago, I was notarizing a retirement form for a friend who was retiring.&nbsp; I happened to see he chose the larger benefit (no spousal benefit.)&nbsp; I said &quot;Are you sure you want to do that?&quot; and he said &quot;What?&quot;&nbsp; I explained that if he died, his wife would receive nothing at all.&nbsp; He said someone at the union hall said to choose that option to get the maximum benefit.&nbsp; He didn&#039;t understand that his wife would receive nothing.&nbsp; He said he needed to change it because she would &quot;bring him back from the dead and kill him again.&quot;&nbsp; I thought that was funny.</blockquote>

[QUOTE="Red Headed Stranger, post: 6098628, member: 90351"] Completely agree. If you think about it, does the property taxes and homeowner's insurance go down just because one person dies....NOPE! Does the electric, trash, water, heat bill go down because only one person is living in the house....most likely NO. The only thing that goes down is the price of groceries and that's not enough reason to not include your spouse in your retirement plan. Years ago, I was notarizing a retirement form for a friend who was retiring. I happened to see he chose the larger benefit (no spousal benefit.) I said "Are you sure you want to do that?" and he said "What?" I explained that if he died, his wife would receive nothing at all. He said someone at the union hall said to choose that option to get the maximum benefit. He didn't understand that his wife would receive nothing. He said he needed to change it because she would "bring him back from the dead and kill him again." I thought that was funny. [/QUOTE]

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