At retirement, you may specify that you want your surviving spouse to use your monthly lifetime credit to offset the cost of the survivor health insurance premium. This is called the Dual Annuitant Sick Leave Credit, the form needs to be completed and handed in prior to the retirement date.

• If, at retirement, you choose to use 70% of your monthly lifetime credit, your surviving spouse will continue to use the same 70% monthly lifetime credit to offset the cost of their premium.

• If, at retirement, you choose to use 100% of your monthly lifetime credit, the credit will stop upon your death and your surviving spouse will pay the individual premium in effect at the time.