My 401k plan says I can't roll/distribution 'til 45. I think this can be voided using the basics of trust law. Is that true?

ERISA preempts state law and you will never succeed on a state court action. Preemption means that state law may not regulate plans governed by...

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Got two health insurance policies. Which one should we cancel?

In general, group plans are cheaper than individual plans. This is because the group plan generally has a larger pool of participants. Also in...

At what age does a parents obligation to provide health insurance end .?

The age 26 limit is a voluntary coverage of the child. Most states cut off the parents obligation at age 18. Between 18 and 26 you can cover the...

I have been taxed for partner insurance imputed income For having a domestic partner on my insurance however I am married

Get your employer a copy of your marriage certificate. At the very least, it will fix withholding in the future. You have an absolute right to...

Was awarded a pension,but need help in what that monthly amount could be.

You can get the number from the state. They will give you various choices depending upon what the plan offers. You could hire an actuary to...

How is Federal Pension Divided after Divorce

Government pensions are tricky. You need to contact the plan and determine what possibilities you have. They will work with you and your attorney...

401K account on freeze?

The plan is violating the terms or ERISA and the plan document. Retirement assets are sometimes frozen, but usually the freeze is because of a...

My husband and I have recently separated. It is not a legal separation yet. I am carried under his health care plan at work.

Health care coverage for dependents are voluntary. At each open enrollment, he may drop you, unless you get a court to direct him not to drop you....

Trying to collect CALSTR retirement funds for almost two years for my mother who passed.

Pension plans are contracts. All pension plans provide participants the right to name a beneficiary. Many pension plans have provisions that say...

Can I withdraw from my 401k while collecting UE benefits in the state of florida ?

Most 401(k) plans permit a distribution when your employment terminates. Call the plan administrator at the company and tell them you would like a...