Retiree’s Beneficiary Designation

Subject to applicable community property laws, a retiree’s beneficiary can be anyone except an employer. The retiree’s named beneficiary receives the proceeds of the life insurance benefit at death. In the event the retiree’s beneficiary does not survive the retiree, or if the retiree fails to name a beneficiary, proceeds are paid to the first survivor in the following order:

• Spouse.
• Children, in equal shares.
• Parents, in equal shares.
• Brothers and sisters, in equal shares.
• Executors or administrators.

If a retiree designates a person who is or subsequently becomes the retiree’s spouse, the beneficiary designation is automatically revoked if the marriage is subsequently dissolved or invalidated, unless the retiree redesignates the former spouse following the dissolution or invalidation of the marriage.

A new Enrollment Card must be completed when there is a marriage, divorce, or a change in beneficiary designation. Enrollment Cards are available at the Trust Office or the Local Union.