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Background: DB PLan SPD correctly states that any retiring participant, single or married, may elect an alternate beneficiary for joint and survivor options, with instructions that if married, must provide the election notarized. No other clear instructions or form. When employee retires, this option is not communicated on retirement paperwork.

Question: Plan intends to move forward and communicate this information for new retirees, however, does the plan need to go back in time and offer this to all existing retirees?

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