KaJay Posted January 4, 2023 Posted January 4, 2023 BACKGROUND: 403(b)(9) non-electing church plan offers an in-plan annuity. In the absence of a Form W-4P, the default withholding for annuities initiated prior to 2022 has been "married with 3 allowances". It is my understanding that the Plan must notify annuitants annually of their right to elect withholding that differs from this default rate. QUESTION: For these pre-2022 initiated annuities, is the Plan able to continue withholding at the old default rate of "married with 3 allowances" indefinitely, for annuitants that never submit Form W-4P in future years?
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