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Governmental DB ended up with spousal consent


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I know governmental plans don't have the typical spousal consent requirement.

But if there's a plan that had it, is it considered a cutback to eliminate it? 

Someone's prior TPA used an ERISA document when they shouldn't have.  Anyway it's a closed-to-newbies defined benefit plan with a handful of actives left.  The plan offers various term certain annuities as well as SLA, which in ERISA-land would require spousal consent.  The sponsor is now getting a governmental-entity-specific adoption agreement and I'm wondering if leaving "spousal consent still applies" blank nevertheless requires me to grandfather it as any sort of protected benefit to the spouse.



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The definition of "cutback" in a govt. plan will probably be included in the plan itself.  If it's vague (not surprising), maybe look to other language related to plan interpretation.

I'm a retirement actuary. Nothing about my comments is intended or should be construed as investment, tax, legal or accounting advice. Occasionally, but not all the time, it might be reasonable to interpret my comments as actuarial or consulting advice.

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