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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">Folks--New Division 1 case confirming that ERISA has some drastic effects on beneficiary payments from employment-based benefits (including life insurance paid
for or subsidized by the employer, not just IRAs and 401ks) if an ex-spouse is left on the account as a beneficiary post-divorce. See below.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">I think most of the rules were already in place, but this case summarizes nicely.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri","sans-serif";color:#1F497D">Sincerely,<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri","sans-serif";color:#1F497D">Eric<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri","sans-serif";color:#1F497D">Eric C. Nelsen<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri","sans-serif";color:#1F497D">SAYRE LAW OFFICES, PLLC<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri","sans-serif";color:#1F497D">1320 University St<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri","sans-serif";color:#1F497D">Seattle WA 98101-2837<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri","sans-serif";color:#1F497D">phone 206-625-0092<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri","sans-serif";color:#1F497D">fax 206-625-9040<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
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<p class="MsoNormal"><b><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif"">From:</span></b><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif""> Eric Nelsen
<br>
<b>Sent:</b> Tuesday, June 02, 2015 12:24 PM<br>
<b>To:</b> 'WSBA-Family-Law@yahoogroups.com'<br>
<b>Subject:</b> Estate of Lundy v. Lundy (June 1, 2015, Div. 1 2015) - RE: [WSBA-Family-Law] Division I Opinion Sends Us All Back to Drafting Board/QDRO<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">Dru--Thanks for posting this. The case is a great summary of the state of ERISA pre-emption of state law in the divorce context. Here's my takeaway:<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">1. If it's an employer-based benefit--life insurance, 401k, IRA, whatever, that is sponsored by the employer and contributed to or paid for by the employer--then
Federal law controls (ERISA) and RCW 11.07.010 (that says beneficiary designations are revoked by divorce) has literally no effect.
<u>Remind your clients to review beneficiary designations and get them changed as soon as the divorce is final</u>.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">2. ERISA confirms that the plan administrator is entitled to pay according to their documents, and so distribute the benefits to the ex-spouse, regardless of
state law. But <u>end-runs around ERISA</u>, by imposing a constructive trust or arguing unjust enrichment and trying to force the ex-spouse to disgorge the benefits
<i>after</i> distribution, <u>are also pre-empted by ERISA and forbidden</u>.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">3. It's still an open question as to whether a
<u>voluntary express waiver</u> of ERISA rights by an ex-spouse in a divorce settlement agreement is enforceable. It's probably not enough to avoid distribution of benefits to the ex-spouse, but it might be enough to allow post-distribution collection via constructive
trust or unjust enrichment. But best not to rely on this untested area, unless you're looking to do some appellate work.
<u>Include express waiver of ERISA rights language in settlement documents</u>, so at least the option is available. Note, I think the only way to get such a waiver is in voluntary settlement. If the case goes to trial, I don't think a judge could impose an
ERISA waiver on the spouses; they would have to separately agree to it to make it a voluntary express waiver.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">My $0.02.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri","sans-serif";color:#1F497D">Sincerely,<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri","sans-serif";color:#1F497D">Eric<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri","sans-serif";color:#1F497D">Eric C. Nelsen<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri","sans-serif";color:#1F497D">SAYRE LAW OFFICES, PLLC<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri","sans-serif";color:#1F497D">1320 University St<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri","sans-serif";color:#1F497D">Seattle WA 98101-2837<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri","sans-serif";color:#1F497D">phone 206-625-0092<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri","sans-serif";color:#1F497D">fax 206-625-9040<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
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<p class="MsoNormal"><b><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif"">From:</span></b><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif""> WSBA-Family-Law@yahoogroups.com [mailto:WSBA-Family-Law@yahoogroups.com]
<br>
<b>Sent:</b> Tuesday, June 02, 2015 8:48 AM<br>
<b>To:</b> WSBA-Family-Law<br>
<b>Subject:</b> [WSBA-Family-Law] Division I Opinion Sends Us All Back to Drafting Board/QDRO<o:p></o:p></span></p>
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<p class="MsoNormal" style="background:white"><span style="font-family:"Helvetica","sans-serif";color:black">Hi Everyone. New case came down yesterday. Very important to review for understanding of ERISA and the need to put in very detailed accurate waiver
language in decrees etc if you want to make sure a former spouse is not the post dissolution beneficiary of insurance or retirement proceeds once the member dies if the member failed to change the beneficiary designation post dissolution (i.e. remove former
spouse as the designated beneficiary). This case provides limited guidance as to what kind of waiver language will "work" to keep the former spouse from receiving proceeds contrary to the decree. I believe this is a CLE worthy topic that will need to be presented
soon . Meanwhile, discussion appropriate ? See </span><span style="font-size:9.0pt;font-family:"Helvetica","sans-serif";color:black">:</span><span style="font-family:"Helvetica","sans-serif";color:black"><o:p></o:p></span></p>
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<p class="MsoNormal" style="background:white"><span style="font-family:"Helvetica","sans-serif";color:black"><o:p> </o:p></span></p>
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<p class="MsoNormal" style="background:white"><span style="font-family:"Helvetica","sans-serif";color:black"><a href="http://www.courts.wa.gov/opinions/?fa=opinions.disp&filename=719009MAJ"><span style="font-size:9.0pt">http://www.courts.wa.gov/opinions/?fa=opinions.disp&filename=719009MAJ</span></a><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="color:white">__._,_.___<o:p></o:p></span></p>
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<p class="MsoNormal">Posted by: Dru Horenstein <<a href="mailto:qdruwashington@yahoo.com">qdruwashington@yahoo.com</a>>
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