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Fidelity Beneficiaries — IRA /HSA, page 1
Basic · 44/100Form Complexity Index

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The Fidelity Beneficiaries — IRA /HSA form is a crucial document for account holders to officially name the individuals, trusts, or entities who will inherit their IRA or HSA assets upon their death. Completing this form correctly ensures that your assets are transferred smoothly and according to your wishes, bypassing the potential complexities of probate. Today, this form can be filled out quickly and accurately using AI-powered services like Instafill.ai, which can also convert non-fillable PDF versions into interactive fillable forms.
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Form Complexity IndexBasic, 44/100

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How to Fill Out Fidelity Beneficiary Designation Form (IRA/HSA) Online for Free in 2026

What the AI walks you through.

  1. Navigate to Instafill.ai and upload the Fidelity Beneficiary Designation form or select it from the available templates.
  2. Provide your personal information as the Account Owner in Section 1, including your name and phone number.
  3. In Section 2, list all Fidelity IRA and/or HSA account numbers to which this beneficiary designation will apply.
  4. Complete Section 3 by entering the details for your Primary Beneficiaries, including their name, SSN or TIN, date of birth, and the percentage share they will receive.
  5. Optionally, list Contingent Beneficiaries in the second part of Section 3; these individuals will inherit if all primary beneficiaries predecease you.
  6. Carefully review all entered information, ensuring that the share percentages for both primary and contingent beneficiaries each total 100%.
  7. Proceed to Section 4 to digitally sign and date the form, then download the completed document for submission to Fidelity.

Common Mistakes in Completing Fidelity Beneficiary Designation Form (IRA/HSA)

The ones the AI is built to catch.

Overwriting Existing Beneficiaries Unintentionally
This form explicitly states that it cancels and replaces all prior beneficiary information for the listed accounts. A frequent mistake is filling out the form to add a new beneficiary, without relisting the existing ones. This results in unintentionally removing previous beneficiaries from the account. To avoid this, you must always list every person or entity you want to be a beneficiary on the new form, as it creates a complete replacement list.
Incorrect Share Percentage Calculation
The share percentages for all primary beneficiaries must add up to exactly 100%, and the same is true for the contingent beneficiaries in their section. People often make simple math errors or use repeating decimals (like 33.3%) that don't sum perfectly, causing the form to be delayed or rejected. To prevent this, carefully double-check that the percentages in each section total 100%; AI-powered tools like Instafill.ai can automatically perform these calculations to ensure accuracy.
Using Informal or Incomplete Beneficiary Names
The form requires the full legal name of each beneficiary as it appears on a government-issued ID, but people often use nicknames, initials, or omit middle names. This ambiguity can create significant legal hurdles and delays for your heirs when they attempt to claim the assets. Always use the beneficiary's complete and formal name to ensure a smooth transfer process.
Missing Beneficiary SSN/TIN or Date of Birth
Each individual beneficiary requires a Social Security Number (SSN) and a full date of birth, while a trust requires a Taxpayer ID Number (TIN). People often leave these fields blank if they don't have the information handy. This missing data makes it difficult for the financial institution to uniquely identify the beneficiary, leading to significant processing delays or failure to distribute assets.
Mixing Up Primary and Contingent Beneficiaries
Primary beneficiaries are first in line, while contingent beneficiaries only inherit if all primary beneficiaries are deceased. A common error is listing the same person in both sections or putting a primary beneficiary in the contingent section by mistake. This confuses your intentions and can lead to legal complications or distribution contrary to your wishes. Ensure you only list contingent beneficiaries in their designated section, separate from the primary ones.
Misunderstanding the 'Per Stirpes' Designation
The 'per stirpes' option dictates that if a beneficiary predeceases you, their share automatically passes to their direct descendants. Many people either check this box without understanding its legal ramifications or fail to check it when they actually want this outcome. Misusing this option can lead to assets being distributed in a way you did not intend, either including or excluding a beneficiary's heirs against your wishes.
Forgetting to List All Applicable Account Numbers
This form can update beneficiaries for multiple IRA/HSA accounts, but each account number must be explicitly listed in Section 2. A frequent oversight is listing only one primary account, incorrectly assuming the change applies to all accounts held by the owner. This results in the beneficiary update only applying to the listed accounts, leaving outdated and incorrect designations on the others.
Missing Signature or Date
A missing signature or an incorrect date in Section 4 is a simple but critical error that will invalidate the entire form. Without a legally binding signature, the financial institution cannot process the requested changes, and your beneficiary designations will remain unchanged. Always perform a final review to ensure you have signed and dated the form correctly before submission.
Improperly Designating a Trust
When naming a trust as a beneficiary, you must provide its full legal name, the date the trust was created, and its Taxpayer Identification Number (TIN). A common mistake is to use a shorthand name (e.g., 'Smith Family Trust') and omit the date and TIN. This lack of specific information can cause significant legal challenges and difficulties in distributing the assets to the trust as intended.
Incorrect Date of Birth Format
The form specifies a 'MM DD YYYY' format for dates of birth, but users often default to other formats like MM/DD/YYYY or DD-MM-YYYY. This formatting error can cause data entry issues or require manual correction, delaying the processing of your form. Using an AI form-filling tool like Instafill.ai can help prevent this by automatically formatting dates correctly as you enter them, even on flat PDFs it makes fillable.

Frequently Asked Questions About Fidelity Beneficiary Designation Form (IRA/HSA)

 

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This plan is for your Fidelity Beneficiary Designation Form (IRA/HSA): your own AI agent fills it as often as 5 times a month. To fill other forms and upload your own, choose a Professional plan from your account.
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How does the AI fill out Fidelity Beneficiary Designation Form (IRA/HSA)?
You answer a few questions in plain words, or upload a document you already have. The AI reads what you give it and puts each answer into the right field of Fidelity Beneficiary Designation Form (IRA/HSA), on every page, in seconds. It checks the answers against the form's own rules, and you review and change anything before you download, print or sign.
What happens to my information?
It is encrypted in transit and at rest, and it is never used to train AI.
How complex is Fidelity Beneficiary Designation Form (IRA/HSA) to fill out?
Fidelity Beneficiary Designation Form (IRA/HSA) has a Form Complexity Index of 44 out of 100, in the basic tier: 80 fillable fields across 2 pages. Instafill.ai's AI fills it in under a minute, with every field there for you to review before you download.
What is the purpose of the Fidelity Beneficiaries IRA/HSA form?
This form is used to add or change the beneficiaries for your Fidelity IRA (including Traditional, Roth, SEP, SIMPLE) or your Fidelity Health Savings Account (HSA). Submitting this form will cancel and replace any prior beneficiary designations for the accounts listed.
Can I use this form to name beneficiaries for my 401(k) or non-retirement brokerage account?
No, this form is exclusively for Fidelity IRA and HSA accounts. It should not be used for nonretirement accounts or Defined Contribution Retirement Plans like a 401(k).
What is the difference between a primary and a contingent beneficiary?
Primary beneficiaries are the first people or entities to receive your account assets. Contingent beneficiaries will only inherit the assets if all primary beneficiaries have passed away before you.
What information do I need to provide for each beneficiary?
You must provide the beneficiary's full legal name, Social Security Number (or Taxpayer ID Number for a trust), date of birth, and the percentage share they are to receive. You must also indicate if they are a spouse, non-spouse, trust, or other entity.
What does it mean to check the 'Per stirpes' box?
Checking 'Per stirpes' means that if a beneficiary predeceases you, their share of the assets will pass directly to their descendants (e.g., their children). If left unchecked, that beneficiary's share would be divided among the other surviving beneficiaries.
What happens if I don't specify the share percentages for my beneficiaries?
If you list beneficiaries but do not assign percentages, Fidelity will divide the assets equally among the primary beneficiaries listed. The same rule applies to the contingent beneficiaries if they inherit.
How do I submit the completed form?
For the fastest processing, you should scan or take a digital photo of the entire signed form and upload it at Fidelity.com/upload-Bene-IRA/HSA. If you cannot use the digital upload, mailing instructions are available on the Fidelity website.
I only want to add one new beneficiary. Do I still need to list my existing ones?
Yes, this form completely replaces all prior beneficiary designations. You must list every person or entity you want to be a beneficiary, including existing ones, to ensure your wishes are correctly recorded.
Can I set different beneficiaries for my Roth IRA and my Traditional IRA using one form?
No, this form applies the same beneficiary designations to all account numbers listed in Section 2. To set different beneficiaries for different accounts, you must fill out a separate copy of this form for each account or group of accounts.
What happens if no beneficiary survives me?
If you do not properly name a beneficiary or if no beneficiary survives you, the assets will go to your spouse. If you are not married, the assets will go to your estate, as per the Fidelity IRA or HSA Custodial Agreement.
Can AI tools help me fill out this form?
Yes, services like Instafill.ai use AI to help you accurately auto-fill form fields. This can save you time and help prevent common errors when completing the document.
How can I use Instafill.ai to fill this form online?
To use Instafill.ai, you can upload the PDF to their platform. The AI will make the form interactive, allowing you to enter your information once and have it automatically populate all the necessary fields.
The PDF I downloaded is not fillable. What should I do?
If you have a non-fillable or 'flat' PDF, you can use a service like Instafill.ai. It can convert the static document into an interactive, fillable form that you can complete and sign digitally.
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