Joseph Skinner was employed by the Department of Sanitation of the City of New York and was a member of the New York City Retirement System. He named his sister, Gladys McGee, as his beneficiary of any death benefits which might become due. The application form provided that if a member obtained the maximum retirement allowance there would be no death benefits. The application forms are replete with notices of the effect of accepting maximum benefits or opting for other plans...
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