This is just my uninformed interpretation - "survivor" in this context would not be regarding Joint and Survivor pension option but rather after retirement when you opted for the reduction in annual HRA contribution to allow the spouse to continue to get an annual HRA contribution toward medical after you die.? I haven't dug into your specifics as I'm on a totally different line as I debate whether to "donate" my FHA balance to IBM or move from traditional Medicare to the enhanced plan C at 131.50/month (for who knows how it will stay at that rate).
