Submission Instructions

Visit the Upload your Document tab to submit your documents. Your submission cannot be processed without the following information:

• The name of the Participant's employer
• Participant's Name (first and last)
• Participant's last four digits of SSN
• Agent's Name
• Agent's Address

Written notice of the results of your review will be mailed within two weeks.

You can get more information about Power of Attorney documents as they relate to the employee benefits by calling the customer service center number in the Contact Us tab.

Additional Information

A power of attorney (POA) is not something most people think about while they're working. If and when you need one, you'll want your agent to be able to make decisions on your behalf to protect your interests and/or finances, without unnecessary delay. Just because you have a POA doesn't mean your agent will be recognized by your employer to make benefits decisions for you - the POA must specifically be approved for your employee benefits.

Keep in mind that a POA can be an extremely powerful document, and you should carefully consider what authority you want to give your agent. If you are considering obtaining a POA, you should consult with a qualified attorney to advise you on how to strike the right balance between protecting your assets while planning for the future. To be approved, a POA must:

• Be properly signed and notarized,
• Clearly identify what your agent can do on your behalf, and which employer plans he or she can act upon; and
• Meet the specific requirements of the state you live in.

If you already have a POA document, submitting your POA as early as possible ensures your agent will have access to your employee benefits when needed. After approval, you will retain full access to your account and your agent will have access as designated by the POA. Submit your POA directly to the POA review team by uploading on the Upload Your Document tab. Alternatively, you can fax or mail it to the address listed in the Contact Us tab if needed.

Submission Instructions

Visit the Upload your Document tab to submit your documents. Your submission cannot be processed without the following information:

• The name of the Participant's employer
• Participant's Name (first and last)
• Participant's last four digits of SSN
• Guardian's Name
• Guardian's Address

Written notice of the results of your review will be mailed within two weeks.

You can get more information about Legal Guardianship documents as they relate to the employee benefits by calling the customer service center number in the Contact Us tab.

Additional Information

A Legal Guardianship can become necessary when a person becomes disabled, lacks the capacity to manage their property, or to manage a minor's property on their behalf. A Legal Guardianship (LG) document is a signed court order appointing a Guardian or Conservator to take action on behalf of the Ward or Conservatee (Participant, Employee, or Beneficiary), who is disabled, incapacitated, or a minor. Once the Guardian is approved with plenary (full) power, the Ward or Conservatee is not able to access their benefits account. Their approved Guardian must act on their behalf. To be approved, an LG document must:

• Be signed by a judge and court-certified by the clerk
• Clearly indicate that the guardianship is of the estate or property, not of the person only; and
• Meet the specific requirements of the state where the guardianship order was entered.

Submit your LG directly to the LG review team by uploading on the Upload Your Document tab. Alternatively, you can fax or mail it to the address listed in the Contact Us tab if needed.

Submission Instructions

Visit the Upload your Document tab to submit your documents. Your submission cannot be processed without the following information:

• The name of the Participant's employer
• Participant's Name (first and last)
• Participant's last four digits of SSN
• Representatives's Name
• Representatives's Address

Written notice of the results of your review will be mailed within two weeks.

You can get more information about Representative of Estate documents as they relate to the employee benefits by calling the customer service center number in the Contact Us tab.

Additional Information

If a Participant has died and named a trust or their estate as beneficiary, documentation must be submitted for the Representative of the Estate or Trustee to access the Participant's benefits. Letters Testamentary, Letters of Administration, trust agreements (where a trust is beneficiary), or small estate affidavits that purport to demonstrate the Representative's authorization to act with respect to the deceased participant's benefit may be submitted for review. A Representative of the Estate could be an executor, administrator, trustee, or affiant (under a small estate affidavit). To be approved, a document must:

• Be court-certified (for court orders)
• Be notarized (for small estate affidavits)
• Contain a certification by the trustee (for trust documents)
• Meet the specific requirements of the participant's state of residence at the time of death.

Submit your estate or trust documents directly to the review team by uploading on the Upload Your Document tab. Alternatively, you can fax or mail to the address listed in the Contact Us tab if needed.

At a minimum, the death certificate is required to complete processing on the account of the decedent. You may also be directed by a representative to provide additional documentation.