Your twins survivor benents are currently expected to total w per vear for ~ years. When they are discounted at 5% for this amount of time, using the 16-year interest annuity factor of 10.8378, they are exoected to total . The computation of vour spouse's survivor benerits, on the other hand, are mo s -ome ea Tour spouse should expect to receive survivor benefits unti vour children are - years of age. Given your present annual income, spousal benefits are