GS-I continued from the uploaded story. The setup, characters, and fin…

annuitant: Hilda M. Frasier, spouse. $3,180 a month for the rest of my life.

The cover letter was two paragraphs, and the second paragraph is the one that matters. I have it memorized now.

It said that under the terms of the plan and applicable law, the survivor annuitant designated at the annuity starting date is fixed as of that date.

It said the designation continue reading …