Assignment Of Benefits

Your retirement benefits are intended to be reserved solely for you or your surviving spouse (or beneficiary). Therefore, you cannot transfer these benefits to anyone else or use them as security for a loan, other than a loan you make from the IDC Plan. The Plans are written to ensure the maximum possible protection from creditors.

However, your benefits are subject to payment to an alternate recipient pursuant to a qualified domestic relations order (QDRO). For more information regarding QDROs, contact the Plan Administrator.