Options A/B/C

Answer: Option A pays the most but no survivor; Option B is slightly reduced; Option C provides a 66.67% survivor benefit with a larger reduction.

Option A: highest monthly, no survivor. Option B: small reduction. Option C: survivor protection with higher reduction.

Option	Reduction	Survivor Benefit
A	0%	None
B	~1–5%	Contributions returned
C	~7–15%+	66.67% to beneficiary

Related Guides

Complete Guide to Options A, B, C

Detailed comparison of survivor benefits and how to choose the right option for your situation

Retirement Planning Timeline

Year-by-year checklist including when to make your option selection

Groups 1–4•COLA Rules• Calculate Your Pension