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.