"Be sure to ask whether your former husband's death will have any effect on your benefit. What if he dies before he starts collecting his own benefit? In many situations, a former spouse will share in her husband's pension only as long as he is living, unless the court has also specifically awarded her a survivor's pension. Also, some state and local government plans won't pay survivor's pensions to divorced spouses under any circumstances. You need to know how your retirement income will be affected."  MORE >>