Yes, in most cases, you can designate multiple beneficiaries on your MOSERS benefits. The number of beneficiaries you can name depends on the specific type of benefit. Here's a quick breakdown:

• Life Insurance Beneficiaries – You may name multiple primary and contingent beneficiaries for both your basic and optional life insurance coverage.
• Final Payment Beneficiaries – Once you retire, you can list multiple individuals to receive your final benefit payment. MOSERS will pay your beneficiaries if that payment is returned to MOSERS by your financial institution. The final payment is the payment that is due to you at the end of the month in which you pass away.
• Guaranteed Payment Option Beneficiaries – At retirement, if you elect a guaranteed payment option (5, 10, or 15 years), you may name multiple beneficiaries to receive any remaining payments if you pass away during the guarantee period.
• Joint & Survivor Beneficiary – At retirement, if you elect a Joint & 50% or Joint & 100% survivor benefit, your beneficiary is automatically your spouse.
• Contribution Beneficiaries (MSEP 2011 and Judicial Plan 2011 only) – If you are a member of MSEP 2011 or the Judicial Plan 2011 and are eligible for a refund of your contributions (in the event of death before retirement), you may name multiple beneficiaries to receive those funds.

If you’re unsure which beneficiaries you currently have listed or would like to update your designations, log in to myMOSERS to review or make changes. If you have an account with MO Deferred Comp, please ensure your beneficiary designations are up to date there as well.