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Reply to "how do you decide on J&S or single life annuity payments?"
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[quote=Anonymous]I ignorant about this. I really have no idea if everything below is relevant in making a choice, or if it's a no-brainer regardless of any situation. Annuity is husband's and payments will begin immediately at retirement. Husband will be 50 at retirement. Wife will be 46. Annuity is ~$300 per month less if we choose J&S. It's 100% J&S. Both are in good health, though husband is currently being treated for oropharyngeal squamous cell carcinoma. (We do not know the extent yet.) Decision on the annuity may need to be made prior to the outcome of the cancer treatment. How are decisions like this made?[/quote]
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