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EP Examination Process Guide - Section 9 - Participant Rights - Participant Events - Suspension of Benefits Notice

If a participant works after their normal retirement date and benefits they are receiving are suspended, the participant should receive a suspension of benefits notice.

Suspension of Benefits Notice:

Description: The suspension of benefits notice should describe when and why benefit payments are suspended after a participant attains normal retirement age.

What It Should Contain:

  • Late Retirement: The notice should contain information on when retirement benefits may be suspended. The notice must provide a copy of the specific plan provisions and describe the appeals process.

  • Rehired Retirees: The notice should contain information on when retirement benefits may be suspended if a participant is rehired after attaining normal retirement age. The notice must provide a copy of the specific plan provisions and describe the appeals process. For additional information on suspension of benefits, please refer to DOL Reg. 2530.203-3(b) or to the Department of Labor - Employee Benefits Security Administration publication - What You Should Know About Your Retirement Plan.

Timing: A participant should receive a suspension of benefits notice in the first month the benefit is suspended. For late retirement, that is the month the participant attains normal retirement age. For rehired retirees, that is the first month that a retirement benefit is suspended.

Who Is Responsible For Sending It: The administrator of the plan.

Page Last Reviewed or Updated: 10-Mar-2014