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What is the difference between the Shared and the Segregated Approach for a Defined Benefit Plan?

Submitted by on Tuesday, 27 December 2016 11:00

Under the Shared Approach, the Alternate Payee must wait until the Participant actually elects retirement to begin receiving benefits. It is also important to address Survivor Benefits for the Alternate Payee if the Participant dies first and what happens to the Alternate Payee’s benefit, if the Alternate Payee dies first. Under the Segregated Approach, the Alternate Payee can normally beginning receiving retirement benefits at the earliest age allowed by the particular plan. The Alternate Payee’s benefits will continue for the Alternate Payee’s lifetime.

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