Williams College Retirement Income Plan
Death Benefits Prior to Distribution
If a Participant dies prior to commencing distribution under the Plan, federal law requires that the beneficiary for at least 50 percent of the Participant's account be his or her surviving spouse, unless the Participant elects otherwise with the spouse's written consent. If a Participant elects to designate a non-spouse beneficiary prior to age 35, he or she needs to reaffirm that designation upon reaching age 35. The portion of a Participant's account that is not paid to his or her spouse will be paid to any other beneficiary designated by the Participant or to the Participant's estate if no other beneficiary is designated.