Estate planning at BPAS
How to protect 17 BPAS accounts — manage beneficiaries online, fund a trust by mail, and file death claims
Participant Service Center
126 Business Park Drive, Building 2, Utica, NY 13502
Participant Service Center
126 Business Park Drive, Building 2, Utica, NY 13502
Beneficiary Claims (via Plan Sponsor or Participant Service Center)
126 Business Park Drive, Building 2, Utica, NY 13502
BPAS is a retirement provider managing 17 retirement retirement accounts. These tax-advantaged accounts transfer by beneficiary designation—not by will—making it critical to keep designations current and aligned with broader estate planning goals.
Managing beneficiaries at BPAS is straightforward—changes can be made online, by mail, and by phone, typically taking 10-20 minutes. Trust funding is also available, allowing families to name a trust as the beneficiary of retirement accounts.
BPAS provides specific procedures for both proactive estate planning and filing claims after a death.
Preparing your estate
Beneficiaries and trust funding
How to manage beneficiaries online, fund a trust by mail, and review 17 account types at BPAS.
View details →When someone dies
Death claim process
7-step process, 6 required documents, and contact information for survivors.
View details →Frequently asked questions
Options may include lump sum distribution, rollover to an inherited IRA, installment payments, or life expectancy distributions, depending on the plan type and beneficiary relationship. Under SECURE Act 2.0, most non-spouse designated beneficiaries must take full distribution within 10 years. Eligible designated beneficiaries (surviving spouses, minor children, disabled individuals, chronically ill individuals, and beneficiaries not more than 10 years younger) may have additional distribution options. Contact the BPAS Participant Service Center at 1-866-401-5272 for plan-specific options.
Yes. Trusts can be named as beneficiaries of retirement accounts administered by BPAS, including 401(k), 403(b), defined benefit, and IRA accounts. Provide the trust name, date established, trustee information, and trust EIN on the beneficiary designation form (available through the participant portal at https://e2.bpas.com/ or by calling the Participant Service Center at 1-866-401-5272). For ERISA-covered plans, spousal consent is required if the trust is not the spouse. Under SECURE Act 2.0, a qualified see-through trust with identifiable individual beneficiaries may preserve certain distribution options. Retirement accounts cannot be retitled into a trust during the account owner's lifetime.
BPAS provides online access through multiple portals. For retirement plan and IRA accounts, log in at https://e2.bpas.com/. The BPAS University portal at https://u.bpas.com/ provides educational tools and account resources. You can also send secure messages through https://apps.bpas.com/csrmsg/. For phone support, call the Participant Service Center at 1-866-401-5272 (Monday-Friday 8:00 AM - 8:00 PM ET) or request a callback (Monday-Friday 9:00 AM - 7:30 PM ET) via https://u.bpas.com/participant-services/.
Sources
Data sourced from BPAS primary sources (13 pages reviewed). How we research.
Participant Service Center
126 Business Park Drive, Building 2, Utica, NY 13502
Participant Service Center
126 Business Park Drive, Building 2, Utica, NY 13502
Beneficiary Claims (via Plan Sponsor or Participant Service Center)
126 Business Park Drive, Building 2, Utica, NY 13502
Estate planning articles
Learn how to protect your BPAS accounts and other assets with trusts, beneficiary designations, and estate planning documents.
