we recently received my pension payment options and it is so confusing. I think there are 19 different options. its just me and my spouse. I can almost bet I will outlive my spouse. I am also 5 years shy of social security when I retire. I am leaning on taking the option where you get $300 a month more till you are 62. then it drops down. I am going to have another interview with the pension guy but don't even know where to begin with the questions. so for you people that have already retired. what option did you take and why?? maybe your feedback will help us make the right decision. thanks.