Yes! You can use AI to fill out Fidelity Investments 403(b)/401(a) Beneficiary Designation
The Fidelity Investments 403(b)/401(a) Beneficiary Designation is a crucial legal document for retirement account holders to specify who will inherit their plan assets after they pass away. Properly completing this form ensures your assets are distributed according to your wishes, overriding default plan rules and avoiding potential legal complications for your heirs. 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 specifications
| Form name: | Fidelity Investments 403(b)/401(a) Beneficiary Designation |
| Number of pages: | 1 |
| Language: | English |
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How to Fill Out 5VFITSBBW0019 Online for Free in 2026
Are you looking to fill out a 5VFITSBBW0019 form online quickly and accurately? Instafill.ai offers the #1 AI-powered PDF filling software of 2026, allowing you to complete your 5VFITSBBW0019 form in just 37 seconds or less.
Follow these steps to fill out your 5VFITSBBW0019 form online using Instafill.ai:
- 1 Navigate to Instafill.ai and upload your Fidelity Beneficiary Designation form, or select it from their library of templates.
- 2 Use the AI assistant to accurately fill in your personal details in Section 1, such as your name, Social Security number, address, and employer information.
- 3 In Section 2, clearly identify your primary beneficiaries, specifying their names, relationship to you, and the percentage of assets each should receive, ensuring the total equals 100%.
- 4 Optionally, name contingent beneficiaries who will inherit the assets if all primary beneficiaries predecease you, again assigning percentages that total 100%.
- 5 If you are married and not naming your spouse as the sole primary beneficiary, complete the Spousal Consent section (Section 3), which requires a notary's signature.
- 6 Carefully review all entered information for accuracy, then electronically sign and date the form in the Authorization section (Section 4) to certify its contents.
- 7 Download the completed form from Instafill.ai and submit it to Fidelity Investments according to the mailing instructions provided on the document.
Our AI-powered system ensures each field is filled out correctly, reducing errors and saving you time.
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Frequently Asked Questions About Form 5VFITSBBW0019
This form allows you to officially name the person(s) or trust(s) who will receive the assets in your Fidelity retirement account upon your death. It ensures your assets are distributed according to your wishes.
Anyone with a Fidelity 403(b) or 401(a) retirement plan who wants to designate beneficiaries for the first time or update their existing beneficiary information should complete this form.
Yes, your plan generally requires you to designate your spouse as the primary beneficiary. If you wish to name someone else, your spouse must sign the 'Spousal Consent' section in the presence of a notary public or plan representative.
Primary beneficiaries are the first in line to receive your account assets. Contingent beneficiaries will only receive the assets if all of your primary beneficiaries are no longer living at the time of your death.
The form provides space for three primary and three contingent beneficiaries. To name more, attach a separate, signed, and dated piece of paper with the required information for the additional beneficiaries.
If you name multiple beneficiaries but do not indicate percentages, the assets will be divided in equal shares among those who survive you within that group (primary or contingent).
If a primary beneficiary predeceases you, their designated percentage will be divided among the surviving primary beneficiaries in proportion to the shares you selected for them.
After completing and signing the form, mail it to Fidelity Investments, P.O. Box 770002, Cincinnati, OH 45277-0090. A postage-paid envelope may have been included with your form.
To update your beneficiaries, you must submit a new, completed Beneficiary Designation Form to Fidelity. The most recently dated form on file will replace all previous designations.
You will need the beneficiary's full name, Social Security Number (or Tax ID for a trust), date of birth (or trust date), and their relationship to you.
If you need help, you can call Fidelity Investments at 800-343-0860, Monday through Friday, from 8 a.m. to midnight, Eastern time.
Yes, you can use services like Instafill.ai, which leverage AI to help you accurately auto-fill form fields with your personal information, saving time and reducing errors.
To fill this form out online, you can upload the PDF to a service like Instafill.ai. Their platform makes the document interactive, allowing you to type your information directly into the fields before printing for your signature.
If you have a non-fillable or 'flat' PDF, you can use a tool like Instafill.ai to convert it into an interactive, fillable form. Simply upload the file to their website to get started.
Compliance 5VFITSBBW0019
Validation Checks by Instafill.ai
1
Primary Beneficiary Percentage Summation
This check verifies that the percentages assigned to all primary beneficiaries sum to exactly 100%. The form explicitly requires this total. If the percentages do not add up to 100%, the form is considered incomplete and cannot be processed, as it would create ambiguity in how assets are distributed upon the participant's death.
2
Spousal Consent Requirement Logic
This validation ensures that if the participant indicates they are 'Married' but does not designate their spouse as the 100% primary beneficiary, the 'Spousal Consent' section is properly signed by the spouse and witnessed. This is a critical legal requirement to protect spousal rights under many retirement plans. Failure to provide a valid, witnessed spousal consent will result in the rejection of the beneficiary designation.
3
Participant Signature and Date Presence
This check confirms that the participant has signed and dated the form in the 'Signature and Authorization' section. The signature legally authorizes the beneficiary designation and certifies the correctness of the provided information, such as the Social Security number. A missing signature or date invalidates the entire form, as it lacks the participant's legal authorization.
4
No Overlap Between Primary and Contingent Beneficiaries
This validation cross-references the lists of primary and contingent beneficiaries to ensure no individual or trust is named in both categories. The form instructions explicitly state that a primary beneficiary cannot also be a contingent beneficiary. This prevents logical impossibilities in the order of succession and ensures the participant's intent is clear.
5
Contingent Beneficiary Percentage Summation
If any contingent beneficiaries are designated, this check verifies that their assigned percentages sum to exactly 100%. Similar to the primary beneficiary check, this is required for clear and unambiguous distribution of assets if no primary beneficiaries survive the participant. An incorrect total will cause the form to be rejected for correction.
6
Participant Social Security Number Format
This check validates that the Social Security Number provided in the 'Your Information' section is present and formatted correctly as a 9-digit number. The SSN is the primary identifier for the account holder and is required for tax reporting and legal certification. An invalid or missing SSN will halt processing until a correct number is provided.
7
Beneficiary Information Completeness
For every beneficiary entry (primary or contingent) that has a name or percentage filled in, this check ensures all other required fields for that entry are also complete. This includes the SSN/Tax ID, Date of Birth/Trust Date, and Relationship. Incomplete information for a beneficiary can lead to significant delays and legal challenges when trying to locate and pay them.
8
Spousal Consent Witness Validation
When the 'Spousal Consent' section is signed by the spouse, this check verifies that the signature has been witnessed by either a notary public or a plan representative. The witness's signature and date, or the full notary section (including stamp), must be completed. An unwitnessed spousal signature is legally invalid, making the consent void and the form rejectable.
9
Marital Status Declaration
This validation ensures that the participant has made a selection for their marital status, checking either 'Single' or 'Married'. This declaration is fundamental to the form's logic, as it directly determines whether the spousal consent rules apply. Failure to select a status makes it impossible to correctly process the form.
10
Beneficiary Identifier Validity
This check ensures that each designated beneficiary has a valid identifier: a Social Security Number for an individual or a Tax ID Number for a trust. The validation confirms the number is present and follows the correct 9-digit format. This identifier is crucial for verifying the beneficiary's identity and for tax purposes during asset distribution.
11
Date Field Format and Validity
This validation confirms that all date fields on the form, including the participant's Date of Birth, beneficiary Dates of Birth, Trust Dates, and all signature dates, are in a valid and logical format (e.g., MM/DD/YYYY). Illegible or impossible dates (like a birth date in the future) can cause processing errors and must be corrected to ensure data accuracy.
12
Beneficiary Type Exclusivity
For each beneficiary listed, this check ensures that information is provided for either 'Individual' or 'Trust Name', but not both simultaneously. The form layout provides mutually exclusive options for designating a person or a trust. Filling both would create ambiguity about the intended beneficiary, requiring clarification and causing processing delays.
Common Mistakes in Completing 5VFITSBBW0019
Beneficiary percentages for either the primary or contingent group do not add up to exactly 100%. This often happens due to simple math errors when dividing shares among multiple people. An incorrect total can lead to the form being rejected or distributions being made in equal shares by default, overriding your intended allocation and causing unintended consequences for your heirs.
A married participant names someone other than their spouse as the primary beneficiary but fails to have their spouse sign the consent section in the presence of a notary. This is a critical error, as plan rules require spousal consent to waive survivor benefits. Without a properly signed and notarized consent, the designation is legally invalid, and the spouse could automatically become the sole primary beneficiary regardless of your wishes.
The form is submitted with missing information for a beneficiary, such as their full legal name, Social Security Number, or date of birth. This often occurs when the filer doesn't have the information readily available and forgets to add it later. Missing details can cause significant delays and complications for your beneficiaries when they try to claim the assets, requiring them to provide extensive documentation to prove their identity.
The same individual or trust is listed in both the primary and contingent beneficiary sections, which the form explicitly forbids. This mistake indicates a misunderstanding of the roles, as a contingent beneficiary only inherits if all primary beneficiaries have predeceased the account owner. This error will cause the form to be rejected, leaving a previous designation (or no designation) in effect until a corrected form is submitted.
The participant fails to sign and/or date the authorization section on the final page. An unsigned or undated form is not legally binding and will be rejected by Fidelity, meaning the beneficiary designation is not updated. This simple oversight completely invalidates the entire submission, leaving prior beneficiary designations in place and defeating the purpose of filling out the form.
When naming a trust as a beneficiary, the filer provides an incomplete name or omits the date the trust was created as required by the form. These details are crucial for correctly identifying the specific legal entity. An ambiguous trust designation can lead to legal challenges and significant delays in distributing assets, as Fidelity must verify the exact trust document entitled to the funds.
Information is written unclearly or not using the requested 'black pen' and 'CAPITAL LETTERS'. This can lead to data entry errors when the form is scanned and processed, resulting in misspelled names or incorrect Social Security numbers. Such errors can create major hurdles for beneficiaries, and using a non-black pen can cause scanning failures. AI tools like Instafill.ai can convert flat PDFs into fillable forms, ensuring all entries are typed and perfectly legible.
The participant neglects to check either the 'Single' or 'Married' box in the 'Your Information' section. This information is critical for determining whether the spousal consent rules apply to the designation. Leaving it blank creates ambiguity and will cause the form to be returned for clarification, delaying the update to your account.
When designating more than three beneficiaries, the filer attaches a separate sheet but forgets to sign and date it as instructed. An unsigned or undated attachment may not be considered a valid part of the legal designation. This could result in the additional beneficiaries being ignored, and the assets being distributed only among the beneficiaries listed on the main form.
The filer enters percentages with decimals or fractions (e.g., 33.3%) instead of the 'whole percentages' requested in the instructions. This often happens when trying to divide assets equally among three or more beneficiaries. Financial institutions' systems are typically designed for whole numbers, and non-compliant entries can cause the form to be rejected or the percentages to be rounded in an unintended way.
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