State Retirement System Rules on “Spousal Consent”
Does your husband or wife work in a job covered by a state retirement system?
If so, it is important for you to know if you have a say in whether you will
receive a pension if you outlive your spouse.
In private-sector pension plans, husbands and wives who outlive their spouses
automatically receive a portion of their spouse’s pension unless they have
agreed to give up these benefits. This is also true in some public pension
plans, but not all. The rules relating to “spousal consent” differ from state to
state. This fact sheet provides basic information on the rules governing spousal
consent for the largest retirement plans in each state.
What is spousal consent?
When employees who are entitled to retirement benefits from state retirement
plans are ready to retire, they must apply to begin receiving their pensions.
The pension application form will ask them to make certain choices. Married
employees will typically be given two basic choices: a single-life annuity,
which pays benefits only for the retiree's lifetime, or a joint-and-survivor
annuity, which pays reduced benefits during the retiree's lifetime in order to
provide an annuity for the surviving spouse. (Payments to widows and widowers
are often one-half the amounts received by the retiree.) Many plans also offer
other choices, including the option of receiving a pension as a lump sum.
Some state systems require that a spouse consent when an employee decides to
receive his or her pension in the form of a single-life annuity. Other states
simply require that the husband or wife be notified that the employee has chosen
to receive a pension that does not provide survivor annuity. There are 20 states
in which retirees can receive single-life annuities without their spouse’s
knowledge or consent.
Why is spousal consent important?
If a retirement plan requires spousal consent, the spouse must agree to the
chosen form of benefit. Spousal consent is especially important when an employee
chooses to receive his or her pension as a “single-life annuity” because the
pension payments will end once the retiree dies, leaving no survivor pension for
the surviving spouse.
If the retirement plan requires spousal notification only, the spouse is
informed about the benefit chosen, but his or her consent is not required. If
neither spousal consent nor notification is required, the spouse may not know
that he or she will not receive any pension benefits after the retiree dies.
To learn about the spousal consent rules in each state’s retirement system,
click on the state in the map below for a link to more information.
State Plans and survivor rights information
Note: This list is based on information on the websites of the largest
state-wide retirement systems in each state. Many states have several plans.
This fact sheet does not cover city, town, and county retirement plans, or
certain plans for police and firefighters, which often have their own rules. If
you have questions about a state retirement plan, contact us or one of the Pension Counseling and Information
Projects for assistance.
State retirement systems also differ in how they treat pension benefits at
divorce. See our fact sheet, State
Retirement Plans and Divorce, for more information.
A printer friendly version of this fact sheet can be found here.
Pension Rights Center
1350 Connecticut Avenue NW, Suite 206 | Washington, DC 20036 | (202)
296-3776 | 1-888-420-6550