Q. My husband and I have been married for 11 years He never added me to get benefits if something happen to him so that I could get health coverage and monthly check. He was not married at the time of retirement in 1993. Can this be done now?
A. Unfortunately, no, because by law he would have had to elect a reduction in his annuity to provide a survivor benefit for you within two years of the date of your marriage. It’s too late to do that now.