Josh

Thanks, I think I have it. Our plan has the one year clause, so the adult child will remain his primary beneficiary for one year after marriage then revert to the new spouse unless spousal consent is obtained.

A participant in our ESOP got re-married in July and, with intention, sent in a new beneficiary designation form listing an adult child named as 100% primary in June. Now that they are married, does the date on the beneficiary form trump the spousal rights under ERISA?