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DEATH BENEFITS
PRE-RETIREMENT SURVIVING SPOUSE PENSION (SECTION 5.03)

If, as of your date of death, you are vested under the Plan but haven’t yet retired, your surviving spouse will be entitled to a Pre-retirement Surviving Spouse Pension. The amount of the benefit payable to your surviving spouse is based on the monthly benefit you were eligible to receive at your death. Your surviving spouse will be entitled to a pension determined as if you had retired the day before your death on a pension payable in the Husband-and-Wife payment form (refer to the section entitled “Husband-and-Wife Payment Form” on page ___).

If you die before age 55, your monthly benefit will be calculated as if you had stopped working on the day of your death, lived to and retired at age 55, and died the next day. If you die after age 55, your monthly benefit will be based on your actual age at death.

The Pre-retirement Surviving Spouse Pension is payable to your surviving spouse on the first day of the month following your death. Your spouse can elect in writing to have benefits begin at a future date, but not after the later of the December 31st of the year in which you would have been age 70 ˝ or the December 31st of the calendar year immediately following the calendar year in which you died.

For the Pre-retirement Surviving Spouse Pension to be effective, you and your spouse must have been married to each other for at least a one year period ending on your date of death.