qualified joint and survivor annuities Archives

An elderly married couple, one receiving income from a pension or annuity and the other stretching out their hand to represent ongoing income for the spouse in a qualified joint and survivor annuity

Understanding Qualified Joint and Survivor Annuities (QJSAs): Features, Considerations, and Examples

May 28, 2025 FinanceFacts101 Retirement

Introduction to QJSAs: What Are They? Qualified Joint and Survivor Annuities (QJSAs) are an essential component of retirement planning for married participants in defined benefit plans, money purchase pension plans, profit-sharing plans, 401(k)s, or 403(b)s. These annuities provide a steady source of income that guarantees survivor benefits to a spouse,