retire from the prison now or max out my retirement?

On May 30th i was eligible to retire from the state penitentiary. After a long hard look at my life and my families  future i had decided to stay at the prison until July 2019 which is when I'll max out my retirement. And then yesterday I found out if i die before i retire, even though I'm already eligible my wife will only get %30 of my retirement. If i retired now and then died she'd get %80 for the rest of her life. That changes things a bit. I've always prided  myself as a selfless spouse and a hard working provider. If i do what i want and stay at the prison another 4 years I'm gambling with my wife's future. If i leave too soon i won't have a down payment for a home or enough in savings to guarantee that we could pay our bills while i work my way out of an entry level position as a dock worker at ABF freight or UPS . Being a father and husband is much more complicated than i thought it'd be.