Yes! You can use AI to fill out Beneficiary Account Withdrawal Request Governmental 457(b) Plan

The form requires a notarized signature, and the instructions are very specific. Mistakes include the beneficiary's signature date not matching the notary's date, the notary using the form's built-in block when their state requires a separate certificate, or the separate certificate missing required details like the plan name and number. An incorrect notarization is a common reason for immediate rejection, causing significant processing delays and requiring the form to be re-signed and re-notarized.

The form clearly states it is for requesting a withdrawal from a Beneficiary Account that has *already* been established. Beneficiaries making their first claim on a decedent's account often use this form by mistake, when they should be using the 'Death Benefit Claim Request' form. This fundamental error results in an automatic rejection of the request, delaying access to funds during a sensitive time.

Section A explicitly instructs beneficiaries NOT to write a new address on the form if they need to make a change, but to call a specific phone number first. Many people overlook this and write their new address, assuming it will be updated. This leads to processing delays as the address on the form conflicts with the address on file, and the check or documents may be sent to the old, incorrect address.

The form requires that the beneficiary's and decedent's names 'MUST match the name on file with Service Provider.' Applicants often enter a common nickname, a married name not yet on file, or make a minor spelling error. Any discrepancy between the name provided and the official record will flag the form for manual review and likely cause processing delays until the identity can be verified.

In Section C, when requesting a one-time withdrawal, applicants must specify if the amount is 'Gross' (before taxes/fees) or 'Net' (the final amount they receive). People often misunderstand this, selecting 'Gross' and then being surprised when the check they receive is smaller than the amount they wrote down due to mandatory tax withholding. If neither is selected, the form defaults to 'Gross,' which can lead to confusion and dissatisfaction.

The rollover rules in Section C are complex and differ for spousal and non-spousal beneficiaries. A common error is a non-spousal beneficiary attempting to roll funds into a standard Traditional IRA instead of a required 'Inherited Traditional IRA.' This mistake will cause the rollover portion of the request to be rejected, potentially creating unintended tax consequences and requiring a corrected form to be submitted.

When rolling funds to an IRA or plan at another provider (Sections C and D), the applicant must provide the receiving institution's name and the specific account number. People frequently forget to include the account number or write it illegibly, making it impossible to process the rollover. This forces the service provider to halt the request and contact the beneficiary for the missing information, delaying the entire transaction.

Section G on tax withholding is often overlooked or left blank, causing default rules to apply (e.g., 20% mandatory withholding on eligible rollover distributions). This default may not be appropriate for the beneficiary's individual tax situation, potentially resulting in a significant and unexpected tax bill or an unnecessarily large refund. To avoid this, beneficiaries should consult a tax advisor and carefully complete this section, attaching IRS Form W-4R/W-4P if necessary.

In multiple places, particularly the Beneficiary Consent section, the form specifies that a 'handwritten signature is required' and that 'an electronic signature will not be accepted.' In an increasingly digital world, people may be tempted to use a digital signature for convenience. Submitting a form with a non-handwritten signature will result in a significant delay, as the form will be considered invalid and returned.

In Section E, selecting Electronic Deposit (ACH) is only valid if the bank account has been on file for at least 15 days. Beneficiaries who recently added their bank information or assume they can add it with this form will have their delivery method defaulted to a paper check sent by regular mail. This can delay receipt of funds by several business days compared to the expected 2-3 day ACH timeline. AI-powered tools like Instafill.ai can help by cross-referencing account data to ensure such prerequisites are met before submission.

In the withdrawal election section (Section C), fields are provided to request a withdrawal as either a percentage or a specific dollar amount. A frequent mistake is filling in both fields for the same transaction, creating ambiguity for the processor. This conflict requires the service provider to either guess the user's intent or, more likely, halt processing and contact the beneficiary for clarification, causing delays. Since this form is a non-fillable PDF, a tool like Instafill.ai could convert it to a smart, fillable version with logic to prevent such contradictory entries.