The Western States 401k is a retirement plan and the money in your account is only available to you or your beneficiary after one the following distributable events have occurred:

A change in employment status from a bargaining unit to a non-bargaining unit position with a participating employer is not a distributable event and you will not be allowed to withdraw or rollover your account balance.

The Plan permits total lump-sum payments, partial payments and periodic installments that are paid at least annually for a stated term or over your life expectancy or the life expectancy of you and your spouse.

To request a distribution from the Western States 401k, you must first contact New York Life Benefits Complete at (800) 294-3575, Monday through Friday between 6:00 a.m. and 5:00 p.m. PT, or via the web at www.bcomplete.com to request a Distribution Request Form. NYLIM will either mail or email you the form.

Your completed Distribution Request Form should be forwarded to the Plan Administrator for review and approval.

Your Distribution Request Form will be reviewed, and if authorized, the request will be forwarded to New York Life for processing. Your distribution request should be completed within two weeks from the date of receipt by the Plan Administrator, although the Plan Administrator does have up to 90 days to complete the request.

If your request is not approved, you will be notified in writing of the reason.

If you would like to model or apply for a participant loan, please contact New York Life Benefits Complete at (800) 294-3575, Monday through Friday between 6:00 a.m. and 5:00 p.m. PT, or on the web at www.bcomplete.com.

For specific loan guidelines, please refer to your Summary Plan Description.

Once your loan is established you may view the balance online at www.bcomplete.com.