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Qualified Pre-retirement Spousal Annuity: If you die with a vested interest in the Plan, and you were married at the time of your death, the Plan will pay your surviving spouse a monthly benefit equal to the survivor portion of the 50% Joint and Survivor, which would have been payable to you at age 65. This benefit will begin upon the date when you would have reached normal retirement age 65. Your surviving spouse may also elect to begin receiving benefits on the date you would have reached early retirement age 55 if you would have qualified for Early Retirement, but with an actuarial reduction.


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