You're being exceptionally clear, but I would make the point here that we're talking about very different time horizons. Most of these people opting into an optional survivor benefit have very little time to accumulate any money into a plan. If they were to go out at 65 and buy a term life insurance policy, for the kind of money that we're talking about, they wouldn't be paying $1,000 a month. They'd be paying many thousands of dollars a month.
It's very similar to a term life insurance policy if they were going to go out to the private market to buy a similar type of coverage. It's actuarially derived. These calculations are representative of the real cost of the plan for offering this benefit. These are not unfavourable calculations.