What are your own assets without that amount?

Is the ninety dollars a large amount in comparison to the total or something the two of you might not even notice much now? Both my husband and I chose the retirement plan that gives a pretty good chunk to the survivor. Right now, without debt, either of us could make it on what we would have had without the benefit from the other but one heavy health event could take that away. He is looking at probably his third back surgery which will be more extensive and expensive than the first two so a lot could change.