In all cases, will a member’s designated beneficiary receive the member’s accumulated deductions should the member die in service?

     When an individual becomes a member of a Massachusetts contributory retirement system, he or she is asked to designate a beneficiary who will receive the member’s accumulated retirement deductions in one sum if he or she dies as a member-in-service. This designation is generally effective unless the member leaves survivors whose rights are superior by law.

Is a member limited in his/her choice of a beneficiary?

     There are no limitations on who members may choose as their beneficiary (ies), except that minors must designate a relative.

Is a member permitted to change his/her beneficiary designation?

     The member may change his/her designation at any time by signing a retirement board form.

What if the designated beneficiary predeceases the member?

     If there is no living beneficiary, the member’s retirement board shall determine the person(s) who are entitled, in their judgment, to payment.