An Option D designation has a serious and lasting legal impact unless:
- A member cancels it; or
- A member’s designated beneficiary predeceases the member; or
- A member retires; or
- A member’s surviving beneficiaries are eligible to receive an accidental death benefit; or
- A member’s eligible surviving spouse elects to receive a benefit, even if the member did not choose the spouse as his/her Option D beneficiary.