She still gets her money.  It's vested.  It's hers when its due.  

Not even bankruptcy folks can get at it.  

"Congress overhauled the bankruptcy laws in 2005. Under the new law, virtually all retirement account and pension plan funds are exempt from creditors, meaning you get to keep them if you file for Chapter 7 bankruptcy. In Chapter 13 bankruptcy, because your retirement accounts are exempt, they won't affect how much you must repay unsecured creditors."

Plans subject to this exemption include any ERISA-qualified pension plan, such as:
401(k)s
403(b)s
IRAs (Roth, SEP, and SIMPLE)
Keoghs
profit-sharing plans
money purchase plans, and
defined-benefit plans.

http://www.nolo.com/legal-encyclopedia/retirement-plan-bankruptcy-chapter-7-13-32410.html

Just like guys in the Pen for Life still get their Social Security at age 62 and above.