Q. My husband wasn’t married at the time of retirement in 1993. When we got married, he didn’t provide a survivor benefit for me. Now we’ve been married for 18 years. If he dies will I be able to get a monthly benefit check? If not, can he do something about that now?
A. Unfortunately, it’s too late. To provide you with a survivor annuity, he would have had to agree to a reduction in his annuity to pay for that benefit within two years of the date of your marriage.
However, if she were to divorce him, and then they reconciled and re-married, wouldn’t that re-start the two-year clock?