At age 59 1/2 or upon termination of employment.

There is no waiting period. A member can start participating in the Plan on day one of employment with a Contributing Employer.

January 1 - December 31

Yes, you must complete Union and Enrollment forms.

100% upon Elective Deferral.

At age 59 1/2, termination of employment, or a qualifying hardship event.

Yes

Self-directed, a member chooses the investments.

Member's benefits are paid to the Beneficiary on file.

By completing the Designation of Beneficiary form at the time of enrollment.

This would be stipulated by your Divorce Decree and Marital Settlement.

You will log on to the John Hancock website and begin filling out the loan application. John Hancock will then mail you a physical application. Once this step is complete you will need to download the certification of marital status form, this form needs to be notarized. We also will need a copy of your photo ID. Once you have all of these documents completed you can mail them in or e-mail them to: megan.sherman@benesys.com

You can request the withdrawal application from John Hancock (833-388-6466). Once this step is complete you will need to download the certification of marital status form, this form needs to be notarized. We also will need a copy of your photo ID. Once you have all of these documents completed you can mail them in or e-mail them to: megan.sherman@benesys.com