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The notice obligation can be satisfied by a single notice addressed to the employee and spouse, provided they are believed to reside at the same location and they both become covered during the 90-day period. Although traditionally, defined benefit plans have paid out benefits to the employee and spouse in the form of an annuity, more and more plans in recent years have been offering some type of lump-sum benefit as a payment option. When the employee and spouse can work together on common health concerns, the success rate is much higher than if one spouse is doing it alone. |
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