QJSA waiting period for paperless distributions

[Guest kfel]

Since retirement services providers are now taking "paperless" distribution requests directly from married participants, how are providers ensuring that QJSA waiting period rules are being adhered to?

[FundeK]

No one chose to answer this 3 years ago....hoping to have better luck now!!

If a plan is subject to QJSA requirements, the distribution can not occur until at least 7 days after the notice requirements are given to employee/spouse (right?).

Let's say the participant prints the distribution form off of the web today, Dec 3rd. Are we not able to process the lump sum distribution (spouse and participant sign form waiving 30 day notice period), until Dec 11th? If the form is printed off of the web, it could be mailed and received by the recordkeeper within a couple of days. Are you holding the forms until after the 7th day? Am I making sense?

Thanks!