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Thanks for your question. First, let me ask, have you elected the survivors benefit plan?
To be clear, when you say no, do you mean that you enrolled in the survivor benefit plan and your former spouse agreed to waive benefits after your death, or that you did not enroll in SBP?
If survivor benefit plan coverage was not elected at retirement, then if you die, no one gets the retirement pay.
Your military retired pay stops on the date of your death. The survivor benefit plan was passed into law as a way to provide a monthly income to a servicemember's eligible survivors, such as a spouse.
If you were married and elected coverage at retirement, you can elect for your current spouse to receive the SBP upon your death. If you were married at retirement and elected not to cover your spouse, you cannot ever cover another spouse throughout retirement. In other words, you've waived spouse coverage.
Yes. If he dies, you'll no longer have a spousal support obligation, and will keep 100%.
If you have any further questions, I'd be happy to assist.
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