Commencement Date

If the Participant has reached age 52 on the date of death, the Surviving Spouse Benefit may begin the first of the month following the month in which the Participant dies, and will continue through the month in which the spouse or Qualified Domestic Partner dies.

If the Participant is younger than age 52 on the date of death, the Surviving Spouse Benefit may begin the first of the month following the month in which the Participant would have attained such age had the Participant lived and will continue through the month in which the spouse or Qualified Domestic Partner dies.

The spouse or Qualified Domestic Partner may elect to postpone the commencement of benefits but payments must begin no later than the first of the month after the Participant would have attained age 65 or, if later, the December 31 of the year following the year of the Participant’s death.