Yes! You can use AI to fill out The Church of the Nazarene 403(b) Retirement Savings Plan Beneficiary Designation Form
This Beneficiary Designation Form is a legal document used by participants in The Church of the Nazarene 403(b) Retirement Savings Plan to specify who will inherit their retirement funds. By completing this form, you designate primary and contingent beneficiaries, ensuring your assets are distributed according to your wishes after your passing. This designation is legally binding and typically supersedes instructions in a will, making it a critical part of estate planning. 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: | The Church of the Nazarene 403(b) Retirement Savings Plan Beneficiary Designation Form |
| Number of pages: | 1 |
| Language: | English |
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Follow these steps to fill out your FIDELITY BENEFICIARY DESIGNATION FORM form online using Instafill.ai:
- 1 Navigate to Instafill.ai and upload the Beneficiary Designation Form PDF or select it from the platform's template library.
- 2 Enter your personal information, such as your full name, Social Security number, and contact details, into the designated fields.
- 3 Identify your primary beneficiary(ies) by providing their full names, relationship to you, dates of birth, and the percentage of assets each should receive.
- 4 Optionally, name one or more contingent beneficiaries who will inherit the assets if all primary beneficiaries predecease you, providing the same detailed information.
- 5 If you are married and have not named your spouse as the sole primary beneficiary, obtain your spouse's notarized signature in the spousal consent section.
- 6 Carefully review all entered information for accuracy, then sign and date the form in the authorization section to validate your designations.
- 7 Download the completed, signed form from Instafill.ai and mail it to the Fidelity Investments address provided in the form's instructions.
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Frequently Asked Questions About Form Fidelity Beneficiary Designation Form
This form is used to officially name the person(s), trust, or organization you want to receive the assets from your Church of the Nazarene 403(b) Retirement Savings Plan in the event of your death. It replaces any previous designations you have on file.
Any participant in The Church of the Nazarene 403(b) Retirement Savings Plan should complete this form to establish or update their beneficiary choices. It is important to keep this information current, especially after life events like marriage, divorce, or the birth of a child.
A primary beneficiary is your first choice to receive your retirement plan assets. A contingent beneficiary is your backup choice who will only receive the assets if all of your primary beneficiaries have passed away before you.
Your spouse's signature is only required if you name someone other than, or in addition to, your spouse as a primary beneficiary. In that case, your spouse must sign the form in the presence of a Notary Public.
Yes, you can name a trust by providing its name, date, and tax ID number. To have your assets distributed according to your will, you should designate your estate as the beneficiary.
Mail the completed form via standard mail to Fidelity Investments, PO Box 770003, Cincinnati, OH 45277-0088. For overnight delivery, send it to Fidelity Investments, 100 Crosby Parkway, Covington, KY 41015.
Do not use correction fluid or try to write over the mistake. The instructions state that you must start over with a new, blank form to ensure it is processed correctly.
If one of your primary beneficiaries is no longer living at the time of your death, their share will be automatically divided proportionately among the remaining primary beneficiaries. You should update your form if your circumstances change to ensure your wishes are met.
Your designation is not valid until the completed form is received 'in good order' and is on file with the plan record-keeper, Fidelity Investments. This designation will then be used at the time of your death.
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 information is entered clearly and legibly as required by the instructions.
You can use a service like Instafill.ai to fill out the form digitally. Simply upload the PDF, and the tool will allow you to type your information directly into the fields before printing for signature and submission.
If you have a non-fillable PDF, you can use a tool like Instafill.ai to convert it into an interactive, fillable form. This allows you to easily type your information instead of having to print and write everything by hand.
No, the instructions specifically state that you should not send a copy of the trust agreement. You only need to provide the trust's name, date, and tax identification number on the form.
Compliance Fidelity Beneficiary Designation Form
Validation Checks by Instafill.ai
1
Primary Beneficiary Percentage Summation
This check verifies that the sum of the percentages assigned to all primary beneficiaries equals exactly 100%. This is critical to ensure the entire account value is distributed according to the participant's wishes without ambiguity. If the total is not 100%, the form is considered invalid and will be rejected, as the intended allocation is unclear.
2
Contingent Beneficiary Percentage Summation
This validation ensures that the percentages allocated to all contingent beneficiaries sum to exactly 100%. Similar to the primary beneficiary check, this prevents ambiguity in how assets should be divided if all primary beneficiaries predecease the participant. A failure in this check will result in the form being returned for correction.
3
Spousal Consent Requirement Logic
This check determines if spousal consent is required and has been properly provided. If the participant is married and designates anyone other than, or in addition to, their spouse as a primary beneficiary, the spouse's notarized signature in the consent section is mandatory. An invalid or missing spousal consent under these conditions will render the entire beneficiary designation legally void.
4
Unique Primary and Contingent Beneficiaries
This validation confirms that no beneficiary is listed in both the primary and contingent sections, as explicitly forbidden by the form's instructions. Designating the same entity twice creates a logical conflict in the order of inheritance. If a duplicate is found, the form will be rejected to prevent confusion during the processing of a future claim.
5
Participant Signature and Date Presence
This check ensures that the participant has signed and dated the form in the authorization section. The signature legally confirms the participant's intent and revokes all previous designations. A missing signature or date makes the form invalid and unenforceable, as it cannot be proven that the participant authorized the changes.
6
Trust Establishment Date Verification
For any beneficiary designated as a trust, this check validates that the trust's establishment date is on or before the signature date of the form. The instructions state the trust must be established prior to submission, making this a key requirement for the designation to be valid. A trust dated after the form's signature would be considered non-existent at the time of designation, invalidating that portion of the form.
7
Prohibited Wording in Designations
This check scans all beneficiary name and description fields for legally ambiguous and prohibited phrases such as 'either/or' and 'and/or'. Using such terms creates uncertainty about how to distribute assets if one of the named parties is deceased. The presence of these phrases will cause the form to be rejected for lack of clarity.
8
Completeness of Beneficiary Information
This validation ensures that all required fields for each listed beneficiary are filled out, including their full name and percentage share. For individual beneficiaries, this also includes their date of birth and relationship. Incomplete information for any beneficiary can delay or prevent payment, so the form will be returned if critical data is missing.
9
Signature Date Logical Consistency
This check verifies that the participant's signature date is a valid, non-future date. A future date is a logical impossibility and indicates a data entry error that must be corrected. This ensures the form reflects an action that has already been completed and authorized on a specific, valid day.
10
Notary Section Completion for Spousal Consent
When spousal consent is provided, this check confirms that the Notary Public section is fully and correctly completed, including the notary's signature, date, and seal. Notarization is a legal requirement to verify the identity of the consenting spouse and the voluntariness of their signature. An incomplete or improper notarization invalidates the spousal consent and, by extension, the entire beneficiary designation.
11
Beneficiary SSN/TIN Format Validation
This check validates that any provided Social Security Number (SSN) or Tax Identification Number (TIN) for a beneficiary adheres to the standard format (XXX-XX-XXXX for SSN, XX-XXXXXXX for TIN). While sometimes optional, providing a valid identifier helps ensure the correct person or entity is located and paid. An incorrectly formatted number can cause processing delays and will be flagged for review or correction.
12
Trust Identification Number Logic
This validation enforces the rule for identifying a trust beneficiary. It checks that either a valid Tax Identification Number (TIN) for the trust is provided, or, if a TIN is unavailable, the participant's own Social Security Number is entered in its place. Failure to provide one of these two required identifiers will result in the form being flagged as incomplete.
Common Mistakes in Completing Fidelity Beneficiary Designation Form
This is a critical and frequently missed step. If a married participant names anyone other than, or in addition to, their spouse as a primary beneficiary, the form is invalid without the spouse's signature being witnessed and notarized in Section E. Failure to obtain this notarized consent will render the entire beneficiary designation void, and benefits will be paid out according to default plan rules, which often means 100% to the spouse regardless of the participant's wishes.
When designating multiple primary or contingent beneficiaries, the assigned percentages for each group must add up to exactly 100%. Miscalculations are common and lead to ambiguity, which will cause the form to be rejected. This invalidates the designation and requires resubmission, potentially leaving the account subject to default plan rules if not corrected before death. Always use a calculator to double-check your math before writing the numbers on the form.
The form explicitly requires printing in CAPITAL LETTERS with blue or black ink and forbids correction fluid. People often rush, use cursive, or try to white-out an error, leading to form rejection and processing delays. To avoid this, print slowly and clearly. AI-powered tools like Instafill.ai can convert this PDF into a fillable version, ensuring all entries are typed, legible, and correctly formatted, eliminating handwriting errors entirely.
Participants frequently list only a beneficiary's name, forgetting their Social Security Number, date of birth, or relationship, which are vital for future identification. An incomplete form will be returned, leaving the account without a valid designation until a corrected form is received. To prevent this, gather all necessary information for each beneficiary before starting. Using a smart form filler like Instafill.ai can help by flagging mandatory fields to ensure all required data is entered.
The form's instructions explicitly state not to enter the same names for contingent beneficiaries as you did for primary beneficiaries. A contingent beneficiary is a backup choice who only inherits if all primary beneficiaries are deceased. This common error is redundant, can cause confusion, and may lead to the form being returned for clarification. To avoid this, ensure your contingent beneficiaries are entirely different individuals or entities from your primary beneficiaries.
A simple but common oversight is forgetting to sign and date the authorization section (Section B). An unsigned or undated form is not a legally valid instruction and will be immediately rejected and returned unprocessed. This means no beneficiary changes will be made, leaving the prior designation (or no designation) in effect. Before mailing the form, perform a final review of every page, paying special attention to the signature and date lines.
Participants often make mistakes when naming a trust, such as omitting the creation date or Tax ID Number, or they incorrectly write 'See my will' instead of 'My Estate'. These specific details and terms are required for a valid designation. An incorrect entry will cause the form to be rejected, leaving the account subject to default distribution rules. To avoid this, have your trust documents handy for accurate information, and remember to use the term 'My Estate' if you want the assets to pass through probate.
The instructions explicitly prohibit ambiguous wording like 'either/or' or 'and/or.' Some people also attempt to add handwritten notes or conditions in the margins, which creates legal uncertainty and invalidates the form. The plan administrator cannot interpret custom instructions; they can only follow the clear percentages assigned to named beneficiaries. Stick strictly to the fields provided and use the primary/contingent structure to direct your assets.
Financial institutions require the original form with a 'wet ink' signature to prevent fraud and ensure authenticity. Submitting a photocopy, a fax, or a scanned printout is likely to be rejected, causing significant delays. The requirement to use a new form for corrections underscores the importance of a clean, original document. Always mail the original, signed form to the address provided. Tools like Instafill.ai help create a perfect, error-free document to print for your original signature.
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