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I am surprised at their surprise that so many choose to reduce their annual pension in return for a much higher, tax free lump sum. Any contributions paid into the scheme by female employees before 1989 do not go into the calculations for a widowers pension. The only safe way therefore to protect your husband financially after your death therefore is to take a bigger lump sum and invest it. Not rocket science. This was inevitable once the opportunity was introduced to take a bigger lump sum - and the NHS has rather a lot of female employees.......