Federal Withholding on Periodic (Annuity) Payments

I was reviewing Form W-4P to determine if the payer is to withhold differently for annuities that started, for example, in 2017 vs. 2025 when there is no W-4P on file. 

2025 Form W-4P states: 
"If you don’t give Form W-4P to your payer..., then the payer will withhold tax from your payments as if your filing status is single with no adjustments in Steps 2 through 4. For payments that began before 2025, your current withholding election (or your default rate) remains in effect unless you submit a new Form W-4P.  

Client A, who annuitized in 2017 and never submitted a withholding certificate, had an original "default withholding rate" of "married with 3 allowances". 

Client B, who annuitized in 2025 and has not submitted a withholding certificate, has a default withholding rate of "single with no adjustments".

Am I understanding correctly that in 2025, in the continued absence of a Form W-4P, Client A's default withholding remains "married with 3 allowances"?

We just want to know if in the absence of a W-4P, whether or not Client A's withholding must conform to the newer default of "single with no adjustments" or if it remains with the original default of "married with 3 allowances".

TIA

Well, for those of you wondering, I found the answer on page 7, first column, last paragraph, of 2025 Pub 15-T:

"If a payee received their first periodic pension or annuity payment before 2022 and had failed to furnish a Form W-4P when those payments began, you must continue to withhold on those periodic payments as if the recipient were married claiming three withholding allowances on a Form W-4P for 2021 or earlier, unless the payee furnishes a Form W-4P requesting a change in withholding.