Yes! You can use AI to fill out Fidelity Plan-to-Plan Direct Rollover Form

Users often complete their sections and submit the form without getting the required signature from their previous employer's plan representative in Step 1. This verification of termination date and vesting is mandatory for processing the rollover. Submitting the form without this signature will lead to immediate rejection and require the user to start over, causing significant delays. To avoid this, contact your previous employer's HR department to identify the authorized representative and have them complete and sign their section before you submit the form.

Married participants frequently overlook the spousal consent requirement in Section 5, or they fail to have the signature properly notarized. Many plans require a spouse's notarized consent to waive their right to a survivor annuity. A missing or un-notarized signature will invalidate the entire request, forcing a resubmission. Always confirm with your plan if spousal consent is needed, and if so, ensure your spouse signs in the physical presence of a notary public or plan representative who must also sign and seal the form.

Section 3 is complex and often causes confusion, leading users to either skip it when they have after-tax funds or make incorrect elections. Accidentally requesting a direct distribution check instead of a rollover can trigger a 20% mandatory tax withholding and potential early withdrawal penalties. Carefully review your account statements to determine if you have after-tax or Roth contributions and ensure you correctly specify the rollover destination, providing all necessary account details to avoid negative tax consequences.

In Step 1 and Step 2, people often enter abbreviated or informal names for their employer plans instead of the full, official plan name and number. This data mismatch can prevent Fidelity from locating the correct source or destination accounts, halting the rollover process until the information is corrected. To prevent this, refer to your account statement or the NetBenefits® portal for the exact plan name and number for both the 'FROM' and 'INTO' plans.

It is a simple but very common error to forget to sign and date the Participant Acknowledgement in Section 4. An unsigned or undated form is legally invalid and cannot be processed, leading to an automatic rejection and the need to resubmit the entire application. Always perform a final review of the form to ensure you have physically signed and entered the current date in all required fields. AI-powered tools like Instafill.ai can highlight required signature fields to ensure they are not missed.

The form consistently requires the MM-DD-YYYY format for all date fields, but applicants often use other formats (e.g., DD-MM-YYYY) or write out the month. This inconsistency can cause data entry errors or processing delays by automated systems. To avoid this, carefully enter all dates using the specified two-digit month, two-digit day, and four-digit year format. AI-powered form fillers can automatically validate and format dates correctly, preventing these errors.

When rolling over between two plans, it's easy to accidentally enter the current plan information in the 'FROM' section (Step 1) and the previous employer's plan in the 'INTO' section (Step 2). This reversal will cause the request to fail as the system will try to pull funds from the wrong account. To avoid this, carefully double-check that the 'FROM' plan is your previous employer's plan and the 'INTO' plan is your current one before submitting.

Applicants sometimes leave the daytime and evening phone number fields blank, assuming Fidelity already has their information. The form explicitly states these numbers are for questions about this specific transaction. If Fidelity encounters an issue with the form and cannot reach you, the request will be delayed or returned, whereas a quick phone call could resolve the problem in minutes. Always provide at least one valid phone number where you can be easily reached during business hours.

When submitting digitally, users might upload a blurry photo or a poorly handwritten and scanned form, making it difficult to read. Illegible information can lead to data entry errors, processing delays, or rejection. To ensure clarity, use a dedicated scanning app or a tool like Instafill.ai, which can convert a flat, non-fillable PDF into a cleanly typed, fillable version, ensuring all entries are perfectly legible.

When spousal consent is required, the notary section must be completed perfectly by the notary public, but errors are common. A notary might forget to add their seal, enter an expired commission date, or miss a signature. The participant is ultimately responsible for ensuring the notary completes this section correctly before the form is submitted. Carefully review the notary's work for completeness to avoid having the form rejected and needing to get it notarized a second time.