What to do when an ADP account holder dies
Report the death to ADP's Retirement Services Participant Service Team at 1-800-695-7526
After an account holder at ADP dies, accounts with beneficiary designations or trust ownership transfer to the designated recipients without probate. Solely-owned accounts require the estate's representative to contact ADP's Retirement Services Participant Service Team at 1-800-695-7526 with the proper legal authority documents.
Death claim process
To file a claim after an account holder's death, here is what ADP requires:
Filing a claim
Required Documents
- Original death certificate with the cause of death stated, ADP TotalSource plan, every beneficiaryVoya's brochure also calls it "a certified copy of the participant's death certificate" and says "A photocopy is not valid."
- Completed Beneficiary Information & Certification form, ADP TotalSource plan, from each beneficiary, or each child or parent who takes when no beneficiary is on file
- Minor Beneficiary - Representation of Parent as Legal Guardian form, ADP TotalSource plan, a minor beneficiary or child whose parent is the legal guardian
- Proof of legal guardianship, ADP TotalSource plan, a minor whose guardian is not a birth parent
- Copy of the spouse's Social Security card, ADP TotalSource plan, no beneficiary on file and a surviving spouse
- Notarized letter listing each child's legal name, ADP TotalSource plan, no beneficiary on file, no surviving spouse, surviving children
- Copy of each child's birth certificate and Social Security card, ADP TotalSource plan, no beneficiary on file, no surviving spouse, surviving children
- Notarized letter listing each parent's legal name, ADP TotalSource plan, no beneficiary on file, no surviving spouse or children, surviving parents
- Copy of each parent's Social Security card, ADP TotalSource plan, no beneficiary on file, no surviving spouse or children, surviving parents
- Notarized letter stating there is no surviving spouse, children or parents, ADP TotalSource plan, the executor claims where no beneficiary, spouse, child or parent survives
- Court documents showing the creation of an estate and naming the executor or administrator, ADP TotalSource plan, the executor claims
- The estate's EIN, ADP TotalSource plan, the executor claimsThe checklist names it "Employee Identification Number (EIN) for the estate."
What happens to each kind of account1
- Employer retirement plan
In the ADP TotalSource plan, a loan outstanding at death "will become immediately due and payable." The benefit may be offset by the loan amount, which is treated as a distribution at the offset.1
If an ADP TotalSource account has no beneficiary on file, the plan pays in this order: spouse, lineal descendants, parents, estate. If the plan is unsure of identity and status, it may pay the estate.1
Accounts handled elsewhere3
- Plan Service Center at Voya (ADP TotalSource plans)
ADP TotalSource Retirement Savings Plan accounts, administered by Voya Institutional Plan Services, LLC1
Phone: 1-855-646-7549 (press 0)
Hours: Monday-Friday 8:00 AM-8:00 PM ET
Mailing address: Voya Financial, Attn: ADP TotalSource Plan Administration, P.O. Box 389, Hartford, CT 06141
- Pentegra
Authorizing distributions from Save4Retirement Pooled Employer Plan accounts, as pooled plan provider2
- Fidelity Advisor shareholder line
Fidelity Advisor IRAs, including SIMPLE IRAs under ADP's Fidelity Advisor SIMPLE IRA plan3
Phone: 1-877-208-0098
Hours: 8:30 AM-7:00 PM ET (any day the New York Stock Exchange is open)
What ADP's agreement and guidance say6
- Online access
The mykplan.com terms make the site available to registered users who are "participants (or beneficiaries of such participants)" in the employer's retirement plan.4
- Telling the institution
The mykplan.com terms say ADP makes the site available "on your employer's behalf," and that communications about the plan, other than copyright notices, "SHOULD BE DIRECTED TO YOUR PLAN ADMINISTRATOR."4
- How proceeds are paid
In the ADP TotalSource plan, a beneficiary may take a lump sum, as cash or a direct rollover to another plan or an IRA, or equal installment payments over a set term.1
An ADP TotalSource account that "does not exceed $1,000" is paid automatically as a cash lump sum. One that "does not exceed $7,000 and is more than $1,000" is rolled to an IRA the Plan Administrator designates unless the beneficiary elects a lump sum in writing.1
- Payment to a minor or incapacitated beneficiary
In the ADP TotalSource plan, a custodian or guardian oversees the account of a beneficiary under 18 until the minor reaches 18.1
- Dormant and unclaimed accounts
If an ADP TotalSource beneficiary cannot be located, the Plan Administrator may have the balance put in an interest-bearing savings account in the beneficiary's name, or forfeited and reinstated if the beneficiary comes forward.1
- A denied or disputed claim
The ADP TotalSource plan's summary plan description says the Plan Administrator gives the reasons for a denial in writing or electronically, and a denied claim may be appealed "in writing within 60 days after receiving notification of the denial."5
Not in ADP's published guidance2
- Death claim procedure for ADP 401(k) and 403(b) plans
- Claim mailing address for ADP 401(k) and 403(b) plans
Sources5
- 1.Your beneficiary care package (ADP TotalSource Retirement Savings Plan), 444525_1025
- 2.ADP's New Save4Retirement Pooled Employer Plan Cuts Cost and Complexity, Dec 10, 2025
- 3.Fidelity Advisor IRA Distribution Request, 1.704656.111 0906
- 4.Terms & Conditions
- 5.Summary Plan Description, ADP TotalSource Retirement Savings Plan, 1381650_1125
Retirement Accounts
1 productRequired Documents
- Fidelity Advisor beneficiary distribution or transfer formThe Financial Advisor supplies it with additional instructions.
Claims Contact
Phone: 1-877-208-0098
Hours: 8:30 AM-7:00 PM ET (any day the New York Stock Exchange is open)
Mailing address: Fidelity Investments Institutional Operations Company, Inc., P.O. Box 770002, Cincinnati, OH 45277-0082
Forms ADP issues1
- Fidelity Advisor beneficiary distribution or transfer form
Sent by the institution on request.1
What happens to each kind of account1
- IRA
Where no beneficiary is designated for a Fidelity Advisor SIMPLE IRA, the beneficiary form says the surviving spouse is the beneficiary, or the estate if there is no surviving spouse.2
Under ADP's SIMPLE IRA plan, each eligible employee "must establish a Fidelity Advisor – SIMPLE IRA" to receive contributions.3
Accounts handled elsewhere1
- Fidelity line for financial advisors
Calls from financial advisors2
Phone: 1-800-522-7297
Sources3
- 1.Fidelity Advisor IRA Distribution Request, 1.704656.111 0906
- 2.Fidelity Advisor IRA Beneficiary Designation, 1.710205.112 1209
- 3.Fidelity Advisor - Simple IRA Plan, Presented by ADP and Fidelity Investments: Adoption Agreement, 1.775691.102
Applies To
ADP's Retirement Services Participant Service Team can be reached by phone at 1-800-695-7526 for questions throughout the claims process.
Sources
(6)·
Data sourced from ADP primary sources (18 pages reviewed). How we research.
ADP death claims support
Retirement Services Participant Service Team
Phone
Retirement Services, outside the U.S.
mykplan.com Customer Service Representative
ADP TotalSource Plans (Voya)
Fidelity Advisor shareholders (SIMPLE IRA)
Hours
Website
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