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<span> They're getting what? Keep your beneficiaries up to date </span>
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<h1 class="headerType1 "> They're getting what? Keep your beneficiaries up to date </h1>
<img src="/Publish/Content/image/jpeg/GWMOL/theyre-getting-what-keep-your-beneficiaries-up-to-date_220x146.jpeg" align="left" class="fl pr-xl" alt="theyre-getting-what-keep-your-beneficiaries-up-to-date_220x146">
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<p style="font-size: 14px; font-weight: bold; margin: 0px 0px 15px; line-height: 20px">The hypothetical situations in this article are based on actual events, and serve as cautionary examples of what could happen if you forget to
keep your beneficiary designations updated.</p>
<p style="margin: 0px 0px 10px">At some point, you've probably been advised of the importance of "having your affairs in order," but you may not know exactly what that means — and may not have the time or interest to find out.
While it's common to think you have plenty of time to get to it, the following examples illustrate that when it comes time to administer your estate, an ounce of prevention is worth a pound of cure.</p>
<p style="font-size: 16px; font-weight: bold; color: rgb(1,33,105); margin: 30px 0px 15px; line-height: 19px">Exes and woes</p>
<p style="margin: 0px 0px 10px">When Maria died after a brief illness, her husband, Henry, expected that he would inherit the money in her employer-sponsored retirement plan account. In fact, during her illness, he and Maria
discussed how he could use the money to help him adjust to the loss of her income. Imagine Henry's surprise when he learned that Maria's first husband, Ron, would be inheriting the funds instead.</p>
<p style="margin: 0px 0px 10px">Why? Because Maria never updated her beneficiary designations when she divorced Ron and married Henry.<span style="font-size: 75%; position: relative; top: -0.5em">1</span> Despite the fact that
they had been divorced for well over a decade, and Maria's will left all of her assets to Henry, Ron was still listed as the beneficiary of her 401(k) plan account — which amounted to more than a half-million dollars in total!
</p>
<p style="font-size: 16px; font-weight: bold; color: rgb(1,33,105); margin: 30px 0px 15px; line-height: 19px">Don't assume your "will" will prevail</p>
<p style="margin: 0px 0px 10px">Situations like the one above underscore why you need to update your beneficiary designations for your financial accounts and life insurance policies whenever you experience a change in your
personal life, such as a divorce, marriage or birth of a child. Legally, your will (or other testamentary instrument) may not govern the distribution of proceeds from these accounts and policies. And because your attorney may
not be aware of assets other than those governed by your will, it's your responsibility to make the necessary changes to your beneficiary designations as often as you need to.</p>
<p style="margin: 0px 0px 10px">In addition, provisions vary from plan to plan — some automatically eliminate former spouses as beneficiaries, while others don't. So what's true for a friend or family member might not be true for
you. Some state laws also automatically revoke a beneficiary designation of a spouse upon divorce. However, for many employer-sponsored retirement plans, such as 401(k) plans, these laws do not apply. Therefore, it is important
to research the plan provisions and state laws that apply to your situation and consider confirming your understanding of them with a professional, such as an estate planning attorney, insurance professional, financial advisor
or your company's HR representative.</p>
<p style="font-size: 16px; font-weight: bold; color: rgb(1,33,105); margin: 30px 0px 15px; line-height: 19px">Life can be complicated</p>
<p style="margin: 0px 0px 10px">There was a time when deciding who could, or should, inherit your wealth was fairly straightforward, but times have changed. Careful planning is necessary to ensure that your loved ones are well
taken care of. Consider these three examples that might trigger a change to your beneficiary designations:</p>
<div style="width: 175px; float: right; margin: 5px 0px 10px 30px"> <img width="175" height="175" border="0" alt="theyre-getting-what-keep-your-beneficiaries-up-to-date_priya_175x175"
src="/Publish/Content/image/jpeg/GWMOL/theyre-getting-what-keep-your-beneficiaries-up-to-date_priya_175x175.jpeg" key="Image_theyre-getting-what-keep-your-beneficiaries-up-to-date_priya_175x175_Image20"></div>
<p style="margin: 0px 0px 10px"><strong>Leaving retirement assets to someone other than your spouse —</strong> Priya, a 62-year old widow, recently remarried. Although Keenan, her new husband, is a little bit older, he was not
married previously and has no children. Both have contributed to their employer-sponsored retirement plans for years, and with Priya's inheritance of her first husband's assets, they are financially comfortable. Their decision
to make Priya's children primary beneficiaries of her 401(k) plan account was an easy one — but executing it took a bit of work. After naming her children as her primary beneficiaries, with current and any future grandchildren
as secondary, or "contingent," beneficiaries, Keenan — who is legally assumed to be Priya's primary beneficiary — was required to sign a document acknowledging her choice of beneficiaries and waiving his rights to the
account.<span style="font-size: 75%; position: relative; top: -0.5em">2</span></p>
<div style="width: 125px; float: left; margin: 5px 30px 10px 0px"> <img width="125" height="125" border="0" alt="theyre-getting-what-keep-your-beneficiaries-up-to-date_child_125x125"
src="/Publish/Content/image/jpeg/GWMOL/theyre-getting-what-keep-your-beneficiaries-up-to-date_child_125x125.jpeg" key="Image_theyre-getting-what-keep-your-beneficiaries-up-to-date_child_125x125_Image10"></div>
<p style="margin: 0px 0px 10px"><strong>The birth of a child — </strong> Kim and Josh just welcomed their first child. Working with an attorney to adjust their estate plan to consider their new role as parents, they decided to
maintain their existing spousal designations as primary beneficiaries of their accounts. However, their attorney helped them create a trust for their son and any future children. He also suggested that they name the trust as the
contingent beneficiary on all their accounts to provide for their family in the event of their deaths.</p>
<p style="margin: 0px 0px 10px"><strong>The death of a beneficiary —</strong> Assuming she would pre-decease them, Willa, a widow, selected her two much younger brothers as the primary beneficiaries of her life insurance policy,
while naming their spouses as contingent beneficiaries. Many years later when her brother Jed died unexpectedly, Willa was reminded of her decision to designate Jed's now ex-wife contingent beneficiary of her policy. With her
surviving brother financially secure, Willa decided to update her designations to name her niece and nephew as primary beneficiaries and her brother as contingent beneficiary.</p>
<p style="font-size: 16px; font-weight: bold; color: rgb(1,33,105); margin: 30px 0px 15px; line-height: 19px">And there's more</p>
<p style="margin: 0px 0px 10px">Here are more tips for keeping it all in the family, or at least among the people you care about most, when life changes occur:</p>
<ul class="list" style="margin: 0px">
<li style="font-size: 12px; margin: 0px 0px 5px; line-height: 20px">If you change jobs and roll over your retirement money to a new account, make sure the new account carries the correct beneficiaries. Keep in mind that your
previous beneficiary designations generally will not automatically move with your assets.</li>
<li style="font-size: 12px; margin: 0px 0px 5px; line-height: 20px">If your primary beneficiary dies, your secondary or contingent beneficiary moves up in line, and you'll want to consider naming a new contingent beneficiary.
</li>
<li style="font-size: 12px; margin: 0px 0px 10px; line-height: 20px">If your beneficiary becomes disabled, you should consult a tax professional to understand the effect the inheritance could have on your beneficiary's
eligibility for Social Security Supplemental Security Income program and other benefits. In the long run, the inheritance received from you may make him or her ineligible for other financial support. If these are your
circumstances, consider talking to a tax or estate planning attorney to explore the possibility of naming a "special needs trust" as your beneficiary. Doing so may help you provide for your loved one without affecting this
person's eligibility for other financial support.</li>
</ul>
<p style="margin: 0px 0px 10px">As you can see, it's very important to review your beneficiary choices as part of your overall estate plan. Be sure to check your designations periodically, even if you haven't experienced a major
life event. Keeping your beneficiaries up to date will ensure your hard-earned assets are passed to your intended heirs.</p>
<div style="width: 530px; padding-bottom: 15px; padding-top: 25px; padding-left: 30px; margin: 30px 0px; padding-right: 30px; background-color: rgb(236,230,221)">
<p style="font-size: 16px; font-weight: bold; color: rgb(1,33,105); margin: 0px 0px 15px; line-height: 19px"><em>Learn more and take action</em></p>
<ul class="list" style="margin: 0px 0px 15px">
<li style="margin: 0px 0px 5px">If your employer's 401(k) plan is through Merrill, you can change your beneficiaries at <a href="https://www.benefits.ml.com" target="_blank">Benefits OnLine</a><sup>®</sup> or through the free
Benefits OnLine <a href="https://rg.ml.com/2019/PartComm/BOL/20192109_2/20192109_2_BOLAPP_LP_FR.html?_cpx_camp_rule_id=35" target="_blank">app</a>.</li>
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<p style="margin: 0px 0px 10px"><span style="font-size: 75%; position: relative; top: -0.5em">1</span> The effect of a divorce on a beneficiary designation will vary from plan to plan and may even be impacted by your state's laws,
depending on the type of plan. You should familiarize yourself with the rules of the plans in which you participate and any applicable state laws.</p>
<p style="margin: 0px 0px 10px"><span style="font-size: 75%; position: relative; top: -0.5em">2</span> The terms governing your beneficiary designation(s) will vary from plan to plan. Please review the terms of your employer’s
plan(s) carefully and, if needed, consult a professional advisor such as a tax or estate planning attorney.</p>
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Education Center » They're getting what? Keep your beneficiaries up to date
THEY'RE GETTING WHAT? KEEP YOUR BENEFICIARIES UP TO DATE
The hypothetical situations in this article are based on actual events, and
serve as cautionary examples of what could happen if you forget to keep your
beneficiary designations updated.
At some point, you've probably been advised of the importance of "having your
affairs in order," but you may not know exactly what that means — and may not
have the time or interest to find out. While it's common to think you have
plenty of time to get to it, the following examples illustrate that when it
comes time to administer your estate, an ounce of prevention is worth a pound of
cure.
Exes and woes
When Maria died after a brief illness, her husband, Henry, expected that he
would inherit the money in her employer-sponsored retirement plan account. In
fact, during her illness, he and Maria discussed how he could use the money to
help him adjust to the loss of her income. Imagine Henry's surprise when he
learned that Maria's first husband, Ron, would be inheriting the funds instead.
Why? Because Maria never updated her beneficiary designations when she divorced
Ron and married Henry.1 Despite the fact that they had been divorced for well
over a decade, and Maria's will left all of her assets to Henry, Ron was still
listed as the beneficiary of her 401(k) plan account — which amounted to more
than a half-million dollars in total!
Don't assume your "will" will prevail
Situations like the one above underscore why you need to update your beneficiary
designations for your financial accounts and life insurance policies whenever
you experience a change in your personal life, such as a divorce, marriage or
birth of a child. Legally, your will (or other testamentary instrument) may not
govern the distribution of proceeds from these accounts and policies. And
because your attorney may not be aware of assets other than those governed by
your will, it's your responsibility to make the necessary changes to your
beneficiary designations as often as you need to.
In addition, provisions vary from plan to plan — some automatically eliminate
former spouses as beneficiaries, while others don't. So what's true for a friend
or family member might not be true for you. Some state laws also automatically
revoke a beneficiary designation of a spouse upon divorce. However, for many
employer-sponsored retirement plans, such as 401(k) plans, these laws do not
apply. Therefore, it is important to research the plan provisions and state laws
that apply to your situation and consider confirming your understanding of them
with a professional, such as an estate planning attorney, insurance
professional, financial advisor or your company's HR representative.
Life can be complicated
There was a time when deciding who could, or should, inherit your wealth was
fairly straightforward, but times have changed. Careful planning is necessary to
ensure that your loved ones are well taken care of. Consider these three
examples that might trigger a change to your beneficiary designations:
Leaving retirement assets to someone other than your spouse — Priya, a 62-year
old widow, recently remarried. Although Keenan, her new husband, is a little bit
older, he was not married previously and has no children. Both have contributed
to their employer-sponsored retirement plans for years, and with Priya's
inheritance of her first husband's assets, they are financially comfortable.
Their decision to make Priya's children primary beneficiaries of her 401(k) plan
account was an easy one — but executing it took a bit of work. After naming her
children as her primary beneficiaries, with current and any future grandchildren
as secondary, or "contingent," beneficiaries, Keenan — who is legally assumed to
be Priya's primary beneficiary — was required to sign a document acknowledging
her choice of beneficiaries and waiving his rights to the account.2
The birth of a child — Kim and Josh just welcomed their first child. Working
with an attorney to adjust their estate plan to consider their new role as
parents, they decided to maintain their existing spousal designations as primary
beneficiaries of their accounts. However, their attorney helped them create a
trust for their son and any future children. He also suggested that they name
the trust as the contingent beneficiary on all their accounts to provide for
their family in the event of their deaths.
The death of a beneficiary — Assuming she would pre-decease them, Willa, a
widow, selected her two much younger brothers as the primary beneficiaries of
her life insurance policy, while naming their spouses as contingent
beneficiaries. Many years later when her brother Jed died unexpectedly, Willa
was reminded of her decision to designate Jed's now ex-wife contingent
beneficiary of her policy. With her surviving brother financially secure, Willa
decided to update her designations to name her niece and nephew as primary
beneficiaries and her brother as contingent beneficiary.
And there's more
Here are more tips for keeping it all in the family, or at least among the
people you care about most, when life changes occur:
* If you change jobs and roll over your retirement money to a new account, make
sure the new account carries the correct beneficiaries. Keep in mind that
your previous beneficiary designations generally will not automatically move
with your assets.
* If your primary beneficiary dies, your secondary or contingent beneficiary
moves up in line, and you'll want to consider naming a new contingent
beneficiary.
* If your beneficiary becomes disabled, you should consult a tax professional
to understand the effect the inheritance could have on your beneficiary's
eligibility for Social Security Supplemental Security Income program and
other benefits. In the long run, the inheritance received from you may make
him or her ineligible for other financial support. If these are your
circumstances, consider talking to a tax or estate planning attorney to
explore the possibility of naming a "special needs trust" as your
beneficiary. Doing so may help you provide for your loved one without
affecting this person's eligibility for other financial support.
As you can see, it's very important to review your beneficiary choices as part
of your overall estate plan. Be sure to check your designations periodically,
even if you haven't experienced a major life event. Keeping your beneficiaries
up to date will ensure your hard-earned assets are passed to your intended
heirs.
Learn more and take action
* If your employer's 401(k) plan is through Merrill, you can change your
beneficiaries at Benefits OnLine® or through the free Benefits OnLine app.
Print
1 The effect of a divorce on a beneficiary designation will vary from plan to
plan and may even be impacted by your state's laws, depending on the type of
plan. You should familiarize yourself with the rules of the plans in which you
participate and any applicable state laws.
2 The terms governing your beneficiary designation(s) will vary from plan to
plan. Please review the terms of your employer’s plan(s) carefully and, if
needed, consult a professional advisor such as a tax or estate planning
attorney.
*The app is designed to work with most mobile devices in most countries. Carrier
fees may apply.
4912474
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