Si el participante está casado, el beneficiario será su cónyuge quien tendrá derecho exclusivo a la totalidad de los beneficios pagaderos bajo el plan en el caso de la muerte del participante. No obstante lo anterior, el participante podrá designar a otro beneficiario que no sea su cónyuge, sujeto que esa designación cumpla con lo dispuesto en la Sección 205(c)(2) del Employee Retirement Income Security Act of 1974, según enmendada o cualquier estatuto federal que le sustituya.
Cuando el fideicomiso de planes de retiro esté exento del Employee Retirement Income Security Act of 1974, y el participante y su cónyuge hayan otorgado capitulaciones matrimoniales disponiendo el régimen de separación total de bienes, no será necesario el consentimiento del cónyuge para designar otro beneficiario.
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