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Message: <blockquote data-quote="Mugarolla" data-source="post: 3204669" data-attributes="member: 8481">In the old Central States Plan, and the new UPS plan, the spouse has to opt out of the joint and survivor annuity.In most, if not all states, the spouse has a legal right to at least a portion of that pension.Your spouse has to sign off on not taking the joint and survivor benefit. Read your plan policy.Correct.I believe that your spouse legally has to be your beneficiary if you are married.They have not read their plan summaries.In fact, in the UPS Plan, the default pension for a married person is the qualified joint and survivor annuity. You must opt out of that if you want a single pension, and yes, your spouse has to sign off on it.Yes, depending on the difference in your ages.</blockquote>