Yes! You can use AI to fill out IRA/HSA Beneficiary Designation
This form allows an account holder to designate or update the primary and contingent beneficiaries for their Premiere Select Traditional, Roth, Rollover, SEP-IRA, Inherited IRA, Inherited Roth IRA, Fidelity SIMPLE IRA, or Fidelity Health Savings Account (HSA). Properly designating beneficiaries is crucial for ensuring that your assets are distributed according to your wishes upon your death, potentially avoiding probate. 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: | IRA/HSA Beneficiary Designation |
| Number of pages: | 1 |
| Language: | English |
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How to Fill Out IRA/HSA Beneficiary Designation Online for Free in 2026
Are you looking to fill out a IRA/HSA BENEFICIARY DESIGNATION form online quickly and accurately? Instafill.ai offers the #1 AI-powered PDF filling software of 2026, allowing you to complete your IRA/HSA BENEFICIARY DESIGNATION form in just 37 seconds or less.
Follow these steps to fill out your IRA/HSA BENEFICIARY DESIGNATION form online using Instafill.ai:
- 1 Navigate to Instafill.ai and upload or select the IRA/HSA Beneficiary Designation form.
- 2 Provide your personal account information, including your full name and the specific Fidelity account numbers to which this designation will apply.
- 3 Enter the required details for each primary beneficiary, including their name, relationship, SSN or TIN, date of birth, and the percentage share they will receive. Ensure the total percentage equals 100%.
- 4 Input the information for any contingent beneficiaries, who will inherit if all primary beneficiaries predecease you. Again, ensure their share percentages total 100%.
- 5 Indicate if the 'Per Stirpes' option applies to any beneficiary, which directs their share to their descendants if they are deceased.
- 6 Carefully review all entered information for accuracy, paying close attention to names, identification numbers, and percentage allocations.
- 7 Electronically sign and date the form in the designated section to certify your designations before downloading for submission.
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 IRA/HSA Beneficiary Designation
This form is used to add or change the beneficiaries who will inherit your Premiere Select IRA (Traditional, Roth, Rollover, etc.) or your Fidelity Health Savings Account (HSA) upon your death.
This form applies to Premiere Select IRAs, including Traditional, Roth, Rollover, SEP, and Inherited IRAs, as well as Fidelity HSAs. It cannot be used for nonretirement accounts or Fidelity Retirement Plan (Keogh) accounts.
Yes, this form completely replaces all prior beneficiary information on file for the specified accounts. You must list every person or entity you want to be a beneficiary to ensure your wishes are accurately recorded.
Primary beneficiaries are the first people to receive the account assets upon your death. Contingent beneficiaries will only inherit the assets if all of your primary beneficiaries have passed away before you.
If you list multiple beneficiaries in a category (primary or contingent) but do not assign percentages, the assets will be divided equally among the surviving beneficiaries in that group. The total for each group must equal 100%.
Selecting 'Per Stirpes' means that if a beneficiary dies before you, their designated share will automatically pass down to their direct descendants (e.g., their children). If not selected, the share is divided among the other surviving beneficiaries in that same category.
You must provide the beneficiary's full name, Social Security or Tax ID Number, date of birth or trust date, and relationship to you. You also need to specify the percentage share they are to receive.
No, you cannot use general descriptions like 'all my children.' You must list each beneficiary by their full legal name on the form.
If you need more space, you can attach a copy of the relevant page to list additional beneficiaries. Ensure that any attached pages include your account number, signature, and the date.
For complex situations, you can attach a separate 'customized beneficiary designation' document to this form. It is highly recommended that you consult with an attorney or tax advisor to prepare this document correctly.
If you do not name a beneficiary or if none of your named beneficiaries survive you, the assets in your account will be distributed according to the rules in the applicable Custodial Agreement, which typically means they go to your estate.
Your new designations become effective once the properly signed and dated form is received and accepted by Fidelity Brokerage Services LLC. This form will then remain in effect until a new one is submitted and accepted.
Yes, services like Instafill.ai use AI to accurately auto-fill form fields, which can save you time and help prevent common errors when completing the form.
You can upload the PDF of the form to the Instafill.ai website. The platform will make the document interactive, allowing you to type your information directly into the fields and then download the completed form for submission.
If your PDF is a 'flat' or non-fillable version, you can use a tool like Instafill.ai. It can convert the static document into an interactive, fillable form that you can easily complete online.
Compliance IRA/HSA Beneficiary Designation
Validation Checks by Instafill.ai
1
Ensures Primary Beneficiary Share Percentages Total 100%
This validation checks that the sum of all share percentages entered for primary beneficiaries equals exactly 100%. This is critical for ensuring the account owner's assets are fully and correctly allocated upon their death. If the total is not 100%, the form is considered incomplete and cannot be processed, leading to rejection and requiring the user to correct the allocation.
2
Ensures Contingent Beneficiary Share Percentages Total 100%
This validation verifies that the sum of all share percentages for contingent beneficiaries adds up to exactly 100%. Correct allocation is necessary to define how assets are distributed if no primary beneficiaries survive the account owner. A failure to total 100% will result in form rejection, as it creates ambiguity in the distribution instructions.
3
Verifies Owner Signature and Date are Present
This check confirms that the account owner's printed name, signature, and the date of signature are all provided in Section 3. These elements are legally required to execute the beneficiary designation and make the document valid. A missing signature or date will render the entire form invalid and it will be rejected without processing.
4
Confirms Account Owner's Full Name is Provided
This validation ensures that the account owner's first and last names are filled out in the 'Account Information' section. This information is essential for correctly identifying the owner and linking the beneficiary designation to the right person's accounts. If the name is missing, the form cannot be associated with an owner and will be rejected.
5
Validates Presence of at least one Fidelity Account Number
This check ensures that at least one Fidelity Account Number is listed in Section 1. This is necessary to apply the beneficiary designations to the correct financial account(s). Without an account number, the instructions are orphaned and cannot be acted upon, causing the form to be rejected.
6
Ensures a Single Beneficiary Type is Selected for Each Entry
For every listed beneficiary, this check verifies that exactly one type (Spouse, Non-Spouse, Trust, or Entity) has been selected. This classification is crucial for legal and tax purposes, determining how assets are transferred and what rules apply. If no type or multiple types are selected for a single beneficiary, the entry is ambiguous and will cause the form to fail validation.
7
Validates the Format of Beneficiary SSN or TIN
This check confirms that the Social Security Number (SSN) or Taxpayer Identification Number (TIN) for each beneficiary is entered in the correct 9-digit format. This unique identifier is vital for accurately identifying the beneficiary and for tax reporting purposes. An incorrectly formatted number can lead to processing delays or misidentification of the beneficiary, so the form would be returned for correction.
8
Validates Beneficiary Date of Birth or Trust Date Format and Plausibility
This validation ensures the 'Date of Birth/Trust' is provided in a valid MM DD YYYY format and represents a logical date (e.g., not in the future). This date is used for identity verification and, for individuals, in calculating required minimum distributions (RMDs) for inherited accounts. An invalid or nonsensical date will cause the form to be rejected.
9
Prevents Listing the Same Beneficiary as Both Primary and Contingent
This logical check cross-references the names in the primary and contingent beneficiary sections to ensure no individual or entity is listed in both. The form explicitly prohibits this, as it creates a logically impossible succession scenario. If a duplicate is found, the form will be rejected to prevent ambiguity in the distribution plan.
10
Ensures All Required Fields are Filled for Each Listed Beneficiary
This validation confirms that if a beneficiary's name is entered, all associated required fields (Type, SSN/TIN, Date of Birth/Trust, and Share Percentage) are also completed. A partially filled entry is incomplete and cannot be processed correctly. This check prevents incomplete data from being submitted, which would otherwise require follow-up and delay the processing of the designation.
11
Verifies the Signature Date is Valid and Not in the Future
This check ensures the date provided alongside the owner's signature is a valid calendar date and is not post-dated (i.e., not a future date). The signature date establishes when the designation was made effective, which is critical for legal and chronological purposes. A future or invalid date would make the document's effective date ambiguous and lead to its rejection.
12
Confirms at Least One Primary Beneficiary is Designated
This check verifies that at least one primary beneficiary is listed, or alternatively, that the 'Complex/Customized Beneficiary Designation' option has been selected. The primary purpose of the form is to name a beneficiary, so leaving this section blank (without using the custom option) defeats its purpose. If no primary beneficiary is named, the form is incomplete and will be rejected.
13
Ensures Beneficiary Names are Specific and Not General Categories
This validation checks that the beneficiary name field contains a specific person, trust, or entity name, rather than a general category like 'All of my children' as explicitly forbidden by the form instructions. Specific names are required for legal certainty and to avoid ambiguity in identifying who should receive the assets. A general designation would cause the form to be rejected for being non-specific.
14
Validates 'Per Stirpes' Election is for an Individual Beneficiary
This check ensures the 'Per Stirpes' option, which passes assets to a beneficiary's descendants, is only selected for individual beneficiaries (Spouse or Non-Spouse). Applying this concept to a 'Trust' or 'Entity' is legally nonsensical and indicates a misunderstanding by the user. Flagging this prevents the submission of a legally problematic designation and prompts the user for correction.
Common Mistakes in Completing IRA/HSA Beneficiary Designation
Users often make simple math errors or forget to assign a percentage to a beneficiary, causing the total for either the primary or contingent group to not equal exactly 100%. This error will cause the form to be rejected or lead to an unintended default distribution where assets are divided equally among the named parties. To avoid this, double-check that the 'GRAND TOTAL' field for each section is exactly 100%. AI-powered tools like Instafill.ai can automatically calculate and validate these totals to prevent submission errors.
This form completely replaces all prior beneficiary designations. A common and critical error is to only list a new or changed beneficiary, which inadvertently removes all previously designated individuals from the account. This can lead to significant legal and financial complications, as your assets may not be distributed according to your final wishes. Always list every single person and entity you want as a beneficiary on the new form, even if they were on the old one.
Each beneficiary requires a full legal name, a Social Security Number (or Tax ID Number for trusts/entities), and a date of birth. People may not have this information readily available and leave it blank, intending to fill it in later. An incomplete form cannot be processed, delaying the designation and creating ambiguity that could complicate identifying the correct beneficiary in the future. Always gather all required information before starting the form.
The signature and date in Section 3 are legally required to execute the designation. It's a simple oversight, but forgetting to sign or date the form will render it invalid and it will be rejected immediately upon receipt. This means your beneficiary designations will not be updated, leaving the old instructions or no beneficiaries in place. Always perform a final review of the form, specifically checking the signature block on page 3 before submission.
'Per Stirpes' is a legal term that many people don't fully understand, causing them to either fail to check the box when they want a deceased beneficiary's share to go to their children, or check it without realizing the full implication. This can drastically alter how assets are distributed, potentially disinheriting intended individuals or including unintended ones. It is crucial to understand that this option passes assets to a beneficiary's descendants if the beneficiary predeceases you; consult a legal advisor if you are unsure.
This single form can apply to multiple IRA or HSA accounts, but only if their numbers are listed in Section 1. Account owners often forget to include all relevant accounts, meaning the new beneficiary designation will not apply to the omitted ones. This leaves outdated or no beneficiaries on record for those accounts, defeating the purpose of the update. To prevent this, gather statements for all your accounts and carefully transcribe each number onto the form.
The form explicitly states that contingent beneficiaries cannot be the same as those listed in the primary section. People make this mistake thinking it provides an extra layer of security, but it misunderstands the succession process, as contingent beneficiaries only inherit if *all* primary beneficiaries are deceased. This error will lead to form rejection and processing delays. Ensure your contingent list is composed of entirely different individuals or entities than your primary list.
The form explicitly prohibits vague designations like 'All of my children' instead of listing each person by name. People may use such phrases for convenience, but they are legally insufficient and will cause the form to be rejected. This ambiguity can lead to disputes and significant delays in distributing assets after your death. You must list each beneficiary by their full legal name to ensure your instructions are clear and legally binding.
For each beneficiary, you must check a box to indicate their relationship to you (Spouse, Non-Spouse, Trust, or Entity). This information is critical for determining tax implications and withdrawal rules for the inheritor. Forgetting to check a box creates ambiguity and can cause processing delays or require follow-up clarification from the financial institution. Carefully review each beneficiary entry to ensure a type has been selected.
The form instructs users to 'Type on screen or fill in using CAPITAL letters and black ink.' Handwritten forms can be difficult to read, leading to data entry errors like misspelled names or incorrect SSNs, which can invalidate the designation. If the PDF is not fillable, users may struggle to enter information cleanly. To avoid this, use the fillable features if available. If the form is a flat, non-fillable PDF, a tool like Instafill.ai can convert it into a fillable version, ensuring all entries are clear and legible.
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