For the above listed plans, spousal consent forms will be required for all distributions and loans if their balance is over $5,000. 

If their status on record indicates that they are single and/or their balance is under $5k, we will add a note in PC to advise that no spousal consent form is needed. 

If their status on record indicates that they are married, we will need to reach out to request that their spouse completes the required form before the request can be processed.

You will need to send an email to the participant with the J&S form attached (canned response available, see FD 845524 for example of communication) and note the PC record with the FreshDesk ticket number. The PC record should also be updated to ensure automated notifications are sent out to the participant, example below.

"Your plan contains sources of money that require spousal consent before they can be distributed. A form has been emailed to you separately for your spouse to sign and have notarized."

If we are missing a marital status on file for participants, we are required to reach out to the participant to request confirmation of the marital status. If married, the spouse will need to sign the form per our regular procedure but if they are single, they will need to notate the spousal consent form that they are single and still have this notarized. This is a requirement by the plan administrator that we receive their written confirmation of being single.

The below note can be added to PC to ensure they receive automated notifications:

"Your plan contains sources of money that require spousal consent before they can be distributed. Please have your spouse complete the form that has been emailed to you separately or complete the form attesting that you are single."

If a participant states they are now divorced, please request a copy of their divorce decree and settlement agreement that confirms no assets are owed to their former spouse as a result of the divorce. If a participant states they are now widowed, please request a divorce decree. In these instances, the J&S form will not be needed.

When reaching out to participants to request that they complete their form, please ensure to unassign yourself as the agent on the ticket so that the participant's response goes to the general Transactions ticket queue.