You have worked a long career as a First Responder with retirement approaching soon. You likely worked long hours, including holidays, overtime and served your community. You are starting to think about the next chapter of your life. You are looking forward to a stream of income from your pension that will last a lifetime. You have a decision to make. Should you elect a single life pension or a joint life pension?

Choosing the pension option that is best for you is a decision that should be made after careful consideration. It should not be based on what your co-workers do. Your decision only affects you and your family.

First Responders such as police officers and firefighters who are married and are actively working and earning a pension are in a unique position to maximize their pension income and still be able to provide a stream of income for a spouse that lasts a lifetime.