Yes! You can use AI to fill out Form F10352, Authorization to Access TIAA Accounts

This form explicitly requires a physical, 'wet' ink signature and states that digital signatures are not accepted. In an increasingly digital world, people often default to using electronic signature tools like Adobe Acrobat, which is a common reason for rejection. This strict requirement is for legal and security validation. To avoid this, you must print the completed form and physically sign it by hand in black or dark blue ink before submitting.

Users often check the 'Full Power of Attorney' box in Section 4 but fail to complete and attach the separate, notarized Power of Attorney document detailed in Section 9. This level of authorization has significant legal weight and requires specific, original documentation. Submitting the form without the executed POA will result in the request being denied or processed at a lower authorization level, causing major delays. Always ensure the notarized POA form is included and that the entire package is mailed, not faxed, as instructed.

The form requires the account holder's full SSN or TIN in Section 1 and the authorized party's full SSN/TIN in Section 2. People may forget this information or be hesitant to write it down, but it is essential for TIAA to correctly identify all parties and process the request. Leaving these fields blank or providing an incomplete number is a guaranteed reason for the form to be rejected. To prevent this, double-check that all required ID numbers are entered correctly before submission; AI form-filling tools like Instafill.ai can help by flagging mandatory fields that have been missed.

A common point of confusion is whether to authorize an entire organization or a single person. Option A authorizes any designated person at a firm, while Option B authorizes only the specific individual named. A user wanting to authorize only their specific advisor, John Doe at ABC Financial, might incorrectly fill out Option A. This could grant access to unintended individuals at the firm. To avoid this, carefully read the descriptions in Section 2; if you want to grant authority to only one person, use Option B and list their employing firm if applicable.

If granting Full Power of Attorney, Section 9 must be completed by a Notary Public, and errors are common. Mistakes include the notary omitting their commission expiration date, failing to use their seal where required, or the account holder not signing in the physical presence of the notary. Any error in the notarization will invalidate the Power of Attorney and cause the entire form to be rejected. Before leaving the notary, carefully review their section to ensure all information is present, accurate, and legible.

The form provides both fax and mail submission options, but includes a critical exception that is often missed. If you select 'Full Power of Attorney' in Section 4, the instructions explicitly state that you must mail the original, notarized documents. Faxing a POA request is not permitted due to legal requirements for an original signature and notary seal. This mistake leads to automatic rejection and instructions to resubmit via mail, significantly delaying the process.

The form specifies using black or dark blue ink and printing clearly, as it is likely processed by an automated scanning system. Submissions with illegible handwriting or non-standard ink colors can be misread by the system or rejected by a human reviewer. This can lead to incorrect data entry or a complete failure to process the authorization. To prevent this, it is best to fill out the form on a computer before printing. If the PDF is not fillable, tools like Instafill.ai can convert it into an interactive form to ensure all entries are clear and legible.

The form is designed to authorize only one primary party (either one firm or one individual) per submission. The instructions in Section 2 clearly state, 'If you would like to name more than one person, a separate form should be filled out for each person.' Users sometimes try to write multiple names in the 'Individual Name' field, which invalidates the request. To authorize several different people who are not part of the same firm, you must complete and submit a separate, complete form for each one.

Section 7 allows you to either replace all existing authorizations or revoke a specific one, but users often fail to provide clear directions. For instance, they might check 'Replace/revoke the following authorized party' but neglect to write in the name of the party to be removed. This ambiguity forces TIAA to either guess the user's intent or, more likely, reject the form for clarification. To avoid this, be explicit: either select 'Replace/revoke all' to start fresh or clearly identify the specific party you wish to remove.