Your Accrued Benefit is expressed in the form of a single life annuity beginning as of the first day of the month following attainment of Normal Retirement Age. If you are vested, no longer working in Covered Employment, and do not elect to delay your pension start date, your Normal Pension will begin as of that date in the form of a single life annuity if you are unmarried or a joint and 50% survivor annuity if you are married.