I am the beneficiary of my late husband's defined pension annuity. The pension began as an early retirement pension but was converted to a disability pension when he received the SS award letter. When the pension first started, we elected the 50% husband and wife. Nearly three years later, the plan sent new elections forms. We changed the form of payment to 120 certain payments. The plan is denying my claim for the remaining twenty payments saying they are using the earlier annuity starting date, not the date nearly 3 years later. That was not explained in any of the election notices or correspondence.
Also, he had reached normal retirement age when he passed by three months.