It’s difficult never to judge specific circumstances which you learn about, even although you don’t understand most of the facts of an instance.
Simply take the situation of Maurice and Cecilia, who had been hitched back 1993 when Maurice retired and started using their retirement advantage. Obviously, their spouse had been the beneficiary of their qualified joint and annuity that is survivor.
This means that whenever Maurice kicks the bucket, Cecilia can get some type of retirement benefit, perhaps 50 % or maybe more of whatever Maurice gets every month.