Yes! You can use AI to fill out General Purpose Loan Application Packet, IW DC of SOV Annuity Trust
This form is a comprehensive application packet for participants of the Iron Workers District Council of Southern Ohio & Vicinity Annuity Trust (IW DC of SOV Annuity Trust) to request a general-purpose loan. It details the loan terms, minimum and maximum amounts, repayment options, and includes a required spousal waiver for married participants. 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: | General Purpose Loan Application Packet, IW DC of SOV Annuity Trust |
| Number of pages: | 1 |
| Language: | English |
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How to Fill Out Plan ID 524818-01 Online for Free in 2026
Are you looking to fill out a PLAN ID 524818-01 form online quickly and accurately? Instafill.ai offers the #1 AI-powered PDF filling software of 2026, allowing you to complete your PLAN ID 524818-01 form in just 37 seconds or less.
Follow these steps to fill out your PLAN ID 524818-01 form online using Instafill.ai:
- 1 Navigate to Instafill.ai and upload or select the General Purpose Loan Application Packet.
- 2 Use the AI assistant to accurately fill in your personal details, such as name, address, Social Security number, and contact information.
- 3 Enter the desired loan amount and the loan duration in months, ensuring it meets the plan's minimum and maximum limits.
- 4 Select your preferred method for receiving the loan check and specify how you will make repayments (ACH or paper check).
- 5 If you are married, complete the Spousal Waiver section, which requires your spouse's signature to be notarized.
- 6 Carefully review all the information you've entered, then electronically sign and date the participant authorization section.
- 7 Download the completed, signed, and notarized form to mail to the Trust Fund Office as instructed.
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 Plan ID 524818-01
This is a General Purpose Loan Application for participants in the Iron Workers District Council of Southern Ohio & Vicinity Annuity Trust. It allows eligible members to borrow money from their annuity account.
You can request a minimum of $5,000 and a maximum of $50,000. Your total loan balance, including any existing loans, cannot be more than 50% of your individual account balance.
You must mail the fully completed and signed application packet to the Iron Workers Trust Fund Office in Vandalia, OH. Applications sent by fax or email will not be processed.
If you are married, your spouse must sign the Spousal Waiver section, and their signature must be notarized. You also need to submit a copy of your spouse's signed Social Security card.
Yes, a $50 loan application fee is deducted from your loan amount, and a $25 annual maintenance fee is deducted from your account quarterly for the life of the loan.
To set up ACH repayments, you must register your bank account with Empower before submitting the form, complete the banking section on page 3, and attach a voided check or deposit slip. Otherwise, you will have to pay by paper check.
You are not allowed to have more than three loans open at the same time from this plan.
You cannot apply for a new loan if you have a defaulted loan. You must first repay the entire defaulted loan balance, plus interest, in a single lump-sum payment to become eligible again.
The loan term for a general purpose loan cannot be longer than 60 months (5 years).
For assistance with the application form, call the fund office at 1-937-454-1744. For questions about loan repayments or your account, contact Empower at 833-569-2433.
Yes, services like Instafill.ai use AI to accurately auto-fill form fields, which can save you time and help prevent errors. This ensures your application is completed correctly before you print and mail it.
You can upload the PDF to the Instafill.ai platform, which makes the document interactive. You can then type your information directly into the fields, add signatures, and download the completed form to print for mailing.
If you have a flat or non-fillable PDF, you can use a service like Instafill.ai. It can convert the document into an interactive, fillable form that you can easily complete on your computer.
Compliance Plan ID 524818-01
Validation Checks by Instafill.ai
1
Loan Amount Within Plan Limits
This check verifies that the requested loan amount is not less than the $5,000 minimum and not greater than the $50,000 maximum. It is a primary rule of the loan program designed to manage risk and administrative costs. An application with an amount outside this range will be rejected, requiring the applicant to submit a new form with a valid amount.
2
Marital Status and Spousal Waiver Consistency
This is a logical validation that ensures if an applicant selects 'Married' as their marital status, the Spousal Waiver section on page 4 is fully completed, signed, and notarized. This is a critical legal requirement to protect spousal rights under the plan. If the waiver is missing or incomplete for a married applicant, the application is considered invalid and cannot be processed.
3
Participant Loan Eligibility Verification
This backend validation cross-references the applicant's account to confirm their eligibility for a new loan. It checks that the applicant does not have more than two existing loans, has not defaulted on a prior loan, and that the new loan will not cause their total loan balance to exceed 50% of their account value. This is the most important check to ensure compliance with both plan rules and federal regulations.
4
Loan Duration Maximum Limit
This check ensures the loan repayment term entered by the applicant does not exceed the 60-month maximum for a general purpose loan. This rule is set by the plan to ensure timely repayment. If the applicant requests a term longer than 60 months, the application will be flagged for correction.
5
Spouse and Notary Signature Date Consistency
This validation confirms that the date next to the spouse's signature, the date in the notary's attestation, and the date next to the notary's signature are all identical. The form explicitly requires these dates to match to ensure the signature was properly witnessed. A mismatch invalidates the notarization and the spousal consent, halting the application process until it is corrected.
6
Valid ACH Repayment Day of Month
If the applicant opts for ACH repayments, this check verifies the selected day of the month is a number between 1 and 28. The form explicitly prohibits the 29th, 30th, or 31st to prevent payment failures in shorter months. If an invalid date is chosen, the system must either reject it or default to the 15th as stated in the instructions.
7
Participant Signature and Date Presence
This is a fundamental completeness check to verify that the applicant has signed and dated the authorization on page 5. The signature legally binds the applicant to the loan terms and attests to the accuracy of the information provided. An application without a valid signature and date is legally non-binding and cannot be processed.
8
SSN Last 4 Digits Format
This check validates that the 'Last 4 Digits of Social Security Number' field contains exactly four numeric digits. This partial SSN is a key identifier for matching the application to the correct participant account in the system. An incorrect format or missing data will prevent account lookup and stop the application process at the initial stage.
9
UPS Delivery and PO Box Exclusion
This validation is triggered if the applicant selects the UPS delivery option. It checks that the provided street address is not a Post Office Box, as UPS does not deliver to them. This preventative check avoids a failed delivery and the associated delays and costs.
10
Valid Date of Birth and Legal Age
This check ensures the 'Date of birth' field contains a complete and valid calendar date. It also calculates the applicant's age to confirm they are of legal age (e.g., 18 or older) to enter into a loan contract. An invalid date or an underage applicant would make the loan agreement unenforceable, so the application must be rejected.
11
ACH Information Completeness
This validation confirms that if the applicant fills out the bank information section for ACH repayments, all necessary details are provided, including account type (Checking/Savings), routing number, and account number. It also serves as a reminder to the processor to look for the required voided check or bank letter. Incomplete information prevents the setup of electronic payments, forcing a default to paper coupons.
12
Spouse's Signed Social Security Card Requirement
This check verifies that for a married applicant, a copy of the spouse's signed Social Security card is included with the application, unless one is already on file. The form states this is a mandatory submission for signature verification on the waiver. Failure to include this document will result in an incomplete application package and processing delays until it is provided.
Common Mistakes in Completing Plan ID 524818-01
Married applicants often forget to have their spouse sign the waiver, fail to have the signature notarized, or neglect to include a copy of the spouse's signed Social Security card. These omissions are critical because spousal consent is a legal requirement for the loan. An incomplete waiver section will lead to immediate rejection of the application, causing significant delays until a fully compliant form is resubmitted.
The form explicitly requires the spouse's signature date and the notary's signature date to be identical. People often get these documents signed on different days out of convenience, which invalidates the notarization. The Trust Fund will reject any application where these dates do not match, forcing the applicant to repeat the entire notarization process.
Applicants who want automatic ACH repayments often fill out the banking information on Page 3 but miss the crucial instruction to first register that same bank account online with Empower. The form states this pre-registration is mandatory for ACH to be activated. Failing to do so results in the ACH request being ignored, and the applicant will be defaulted to receiving paper coupons and making manual check payments.
Even if an applicant correctly fills out the bank details for ACH repayments, they frequently forget to attach the required supporting document, such as a voided check or savings deposit slip. The form clearly warns that without this documentation, the bank account will not be debited, and the loan will default to repayment by paper check. This mistake negates the convenience of setting up automatic payments.
The instructions on the first page explicitly state that the completed loan application must be mailed and cannot be faxed or emailed. Applicants in a hurry may overlook this and attempt to submit the form electronically, assuming it's faster. Any application received by fax or email will be disregarded, and the applicant will not be notified, leading them to believe their loan is being processed when it is not.
Applicants sometimes request a loan amount below the $5,000 minimum or specify a repayment term longer than the 60-month maximum for a general-purpose loan. These errors occur from not reading the instructions on Page 2 carefully. Such requests do not comply with the plan's rules and will cause the application to be returned for correction, delaying access to funds.
The form contains contact information for both the Iron Workers Trust Fund office in Ohio and Empower, which can be confusing. The instructions specify returning the form to the Trust Fund office in Vandalia, OH, and explicitly state not to mail it to Empower. Sending the application to the wrong entity will cause major processing delays as it will need to be rerouted or, in some cases, may get lost.
The personal information section uses boxed fields for names and addresses, which require printing one character per box. Applicants often write illegibly or fail to follow the format, making it difficult to accurately process their data. This can lead to errors in their official record, misaddressed mail, and delays while the office attempts to clarify the information.
The form mentions a $50 application fee and an optional $100 fee for UPS delivery, both deducted from the loan proceeds. Applicants often focus on the gross loan amount they request and are surprised when the check they receive is for a lower amount. It is crucial to account for these fees to ensure the net amount received meets the applicant's financial needs.
When setting up ACH repayments, the form instructs applicants to choose a payment day but explicitly prohibits selecting the 29th, 30th, or 31st of the month. People may overlook this restriction and pick a prohibited date, especially if it aligns with their payday. If an invalid date is chosen, the system will default to the 15th of the month, which may not align with the applicant's cash flow and could lead to payment issues.
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