Annuity claims are paid after the Company ensures that:

• You are the true beneficiary
• The contract is current and in force
• That all conditions of the contract have been met

Required documents

When filing a claim, these documents are necessary:

• Copy of death certificate - with cause and manner of death
• W-9 Form - Completed for the Beneficiary

One of the following Claim Election forms:

• Structured Capital Strategies Series - Lump Sum Distribution
  • The Beneficiary receives their portion of the claim proceeds as a check 
• Structured Capital Strategies Series Spousal Continuation Option
  • The Sole Spousal Beneficiary is continuing the contract 
• Structured Capital Strategies Series - Spousal Rollover Acknowledgement Form
  • The Spousal Beneficiary is opening a new contract with EQH or funding an existing one 
• Spousal Rollover Acknowledgement Form for NQ Contracts
  • The Spousal Beneficiary is opening a new contract with EQH or funding an existing one 
• Structured Capital Strategies_Inherited IRA BCO Deaths on or after 1_1_2020
  • The Beneficiary is electing to defer payment over their lifetime or 10 years
• Structured Capital Strategies Series Inherited Annuity Beneficiary Continuation Option BCO for NQ Election Form
  • The Beneficiary is electing to defer payment over their lifetime or 5 years

Additional documents

Not all options are available to all beneficiaries. Depending on your personal situation, these additional documents may be necessary:

• EQH Certification of Trust Form
  • Used to identify the trustee, beneficiary, and TIN of the trust, required if the beneficiary is a trust

• W-4R Form (Optional)
  • Used to elect additional Federal Withholding

Please note:  All Forms above are the most requested claim options.  Please refer to the Checklist for additional details.

• Structured Capital Strategy Beneficiary Guide Checklist: A guide for all Claim options
• Structured Capital Strategy PLUS Beneficiary Guide Checklist: A guide for all Claim options

  Return all documents to:

  Regular Mail

  Equitable Financial Life Insurance Company
  Retirement Service Solutions
  P.O. Box 1016
  Charlotte, NC 28201-1016

  Express Mail

  Equitable Financial Life Insurance Company
  Retirement Service Solutions
  8501 IBM Dr. Suite 150-IR 
  Charlotte, NC 28262-4333

  Email: rss_beneclaims@equitable.com

  You may also request these forms be e-mailed or mailed to you by calling:

  • Our toll-free number, (800) 789-7771, Monday through Thursday, 8:30am - 7:00pm and Friday 8:30am - 5:30pm ET
  • The contract-holder’s Financial Professional

  If you need assistance at any time, we recommend that you check with your Financial Professional or contact the customer service area applicable to your situation.

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