beneficiary, or in the absence of a spouse, any legal dependent, can result in loss of valuable benefits for your survivors. A beneficiary is not required to be a relative and members may designate their estate as beneficiary.

If you marry after becoming a member, your spouse automatically becomes your primary active account beneficiary and your previous primary beneficiary designation is void. To designate your new spouse as beneficiary of your life insurance benefit, however, you need to submit a new beneficiary designation form to KTRS. Divorce voids any previous designation of your spouse as a beneficiary and, unless there is another appropriately designated beneficiary remaining, your estate becomes your primary beneficiary by operation of law. If you are married and designate a beneficiary other than your spouse, your spouse will not be eligible for survivorship benefits.

NOTE: Please remember to keep your address current with KTRS.