Yes! You can use AI to fill out Form RS115, Beneficiary Designation

Users often make calculation errors, causing the benefit percentages for either the primary or secondary beneficiaries to not equal exactly 100%. This happens due to simple math mistakes or when adding/removing beneficiaries without adjusting other percentages. An incorrect total will cause the form to be rejected, delaying the processing of your designation and potentially leaving your account with your previous or default beneficiary settings. Double-check that the percentages in each section (Primary and Secondary) sum to 100% before signing.

The form instructions explicitly require using whole percentages only, but people often try to divide benefits equally among three beneficiaries using '33.3%' or '33 1/3%'. This will invalidate the designation because the system cannot process non-whole numbers. To avoid this, you must use whole numbers that add up to 100, such as 34%, 33%, and 33%. AI-powered tools like Instafill.ai can automatically validate these fields to ensure only whole numbers are used and that the total is correct.

Members frequently list a minor child as a beneficiary but fail to check the 'Nominate a custodian' box and complete the required information on page 2. PERSI cannot legally pay death benefits directly to a minor, so this omission forces the costly and time-consuming court appointment of a conservator. To prevent this, always complete page 2 to nominate a custodian and a substitute custodian for any beneficiary under the age of 21.

Providing a nickname, an initial, or an informal name (e.g., 'Jenny Smith' instead of 'Jennifer Lynn Smith') can create significant legal and identity verification challenges when it's time to pay out benefits. The form requires the full legal name to ensure the benefit is paid to the correct person without dispute. Always use the beneficiary's complete first, middle, and last name as it appears on their government-issued identification to avoid ambiguity and potential legal hurdles for your heirs.

A surprising number of forms are submitted without the member's signature or the date of signing, both of which are required fields. This is often a simple oversight when rushing to complete the paperwork. An unsigned or undated form is legally invalid and will not be processed by PERSI, meaning your previous beneficiary designation (or the legal default) remains in effect. Always perform a final review to ensure you have signed and dated the 'Member Acknowledgment' section.

Members mistakenly believe this form (RS115) updates beneficiaries for all their PERSI-related accounts, including their Choice 401(k) Plan. The instructions clearly state this designation is for the PERSI Base Plan only and that 401(k) beneficiaries must be updated separately with Empower Retirement. This misunderstanding can lead to 401(k) funds being distributed based on an old, outdated designation. Always verify which accounts a form applies to and complete separate paperwork as needed.

When naming a trust or estate, people often use incorrect terminology, such as writing 'My Will' or just the name of their trust without the required details. The form specifies using 'The administrator of my estate' for an estate, and for a trust, you must provide the trust's name, date, trustee information, and Tax ID number. Failure to provide this precise information can lead to significant processing delays or legal complications. Using a tool like Instafill.ai can help guide you through these complex designations.

Since this form is often printed and filled out by hand, illegible handwriting in critical fields like names or Social Security Numbers can make the form impossible to process. Furthermore, users may use correction fluid or scribble out errors instead of following the instruction to cross out the error and initial the change. These mistakes can lead to data entry errors on PERSI's end or cause the form to be rejected. Since the original is a non-fillable PDF, a service like Instafill.ai can convert it into a fillable version, ensuring all entries are typed, legible, and clean.

Members sometimes leave critical beneficiary details blank, such as the Social Security Number (SSN) or Date of Birth. This information is crucial for PERSI to positively identify and locate the beneficiary upon the member's death. Missing data can cause significant delays in the payout process while PERSI attempts to track down the correct information. Ensure every field for each listed beneficiary is filled out completely and accurately to facilitate a smooth transfer of benefits.