Q. My husband, a federal retiree, died. OPM send me letter stating I do not appear to be eligible for a survivor annuity because he did not choose a reduced retirement. I cannot believe it. I married him after he retired. I did not know what my rights were; he did not ask me what I wanted, and OPM did not inform me. How could OPM and my husband decide if I would receive a survivor annuity or not without my knowledge? A. While the outcome is unfortunate for you, by law, a retiree’s decision about whether to provide a…