Pension - Did They Calculate 10 yr Certain Correctly?

[NotSure]

Hello;
About to start receiving a private sector pension (small) - The Company gave me a preview of what I can expect between Single Life Annuity vs 10 Yr Certain (my choice so I can pass residual to beneficiaries if something should happen in short term). The 10 Yr Certain amount is approx 91% of the Single Life.

Included in the materials sent to me was a Relative Value Form where it shows the 10 Yr Certain at 94%.
When I questioned the difference the Rep at the outsourced firm handling the Pension gave me some mumbo-jumbo that never really answered the question.

Where would a person go to get a straight answer?
Would I have to hire an Actuarial? or specialized Accountant?.......Alternative online?

Thanks in advance

 

[QuickSilver]

I have 3 small private pensions. I waited until 65 to collect. They were calculated based on my years of service and compensation. I opted to take the survivor benefit at a lesser monthly amount. This means that should I die before my husband, he can continue to collect 50% of my pensions. If he dies before me, I can bump up the amount I am receiving back to the original calculation. Is that what you are talking about?

 

[NotSure]

Same church - different pew. Yours is a different option than my choice. Yes, all pensions are based on service & compensation for the standard (Single Life Annuity) payout BUT certain selections (i.e.; 10 yr Certain) are a % of the standard. What I'm questioning is the exact dollar calculation (91%) for my 10 Yr Certain monthly payout (vs Standard) when their own form shows a Relative Value of 94%.