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BURLINGTON, Vt. The high court struck down key parts of the Defense of Marriage Act known as DOMA. The new ruling means that in states where same sex marriage is legal married couples are able to get the same benefits as heterosexual couples. Social security, insurance and taxes are some of those benefits.Vermont is one of those states.Manager of Retirement Plan Services Wayne Braun of People United Bank explains what those same sex couples are entitled to and what they have to do for their retirement plans.Q. The Defense of Marriage Act (DOMA) barred the federal government from recognizing same gender marriages. On June 26, 2013, the United States Supreme Court ruled that the Defense of Marriage Act (DOMA) was unconstitutional. What does this change concerning DOMA mean for retirement plans?A. The Internal Revenue Service and the Department of Labor have published guidance for retirement plans that state a same gender spouse is considered a legal spouse if the marriage took place in a state, territory or foreign jurisdiction where the marriage is legally recognized, regardless of where the parties currently reside. The ruling also states that other formal relationships, such as civil unions or domestic partnerships, are not considered marriages under federal law.Q. How does this impact participants and employers with retirement plans?A. It will impact three main aspects of retirement plans beneficiary designations, spousal consent on distributions and spousal death benefits. For participants who have a same gender spouse the legal spouse is generally the participant automatic beneficiary. Spousal consent will be required if the participant chooses a different beneficiary, such as a child. For distributions, written spousal consent for same gender couples may now be required to receive a distribution under certain plans. Finally, if the participant death occurs, the same gender spouse will now be able to rollover the death benefit to a Spousal IRA or another qualified plan, continuing to defer taxation.Q. Is there action that participants or employers should be taking?A. Participants with a same gender spouse should contact their human resource department to complete a new beneficiary designation to make sure it complies with the new regulations. Employers should request that all participants complete a new beneficiary form as not many participants may be aware of the impact to their retirement plan. Employers may also need to amend their plan document to reflect the change in regulations.Q. When is this effective?A.Social Media expert Alex Tursi joins us to talk about the do's and don'ts for back to school social media.People's United Bank: basic estate planning documents everyone needs to havePeople's United Bank: basic estate planning documents Huarache Boots Mens

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28 12:08:17 GMTZuzana Brochu from People's United Bank joins us to talk about basic estate planning documents everyone needs to have.Zuzana Brochu from People's United Bank joins us to talk about basic estate planning documents everyone needs to have.Lawsuit says Vermont DCF ignored abuseLawsuit says Vermont DCF ignored abuseUpdated: Wednesday, August 27 2014 10:45 PM EDT2014 08 28 02:45:10 GMTA lawsuit has been filed against the Vermont Department for Children and Families alleging its social workers failed to act on reports of abuse and neglect of two Ludlow children for four years until local police.A lawsuit has been filed against the Nike Huarache Shoes Mens

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Vermont Department for Children and Families alleging its social workers failed to act on reports of abuse and neglect of two Ludlow children for four years until local police intervened.Hartford man charged with toddler's deathHartford man charged with toddler's deathUpdated: Wednesday, August 27 2014 11:30 PM EDT2014 08 28 03:30:53 GMTBreak ins near the Lincoln Gap TrailBreak ins near the Lincoln Gap TrailUpdated: Wednesday, August 27 2014 11:27 PM EDT2014 08 28 03:27:49 GMTA warning if you hike the Lincoln Gap Trail. State police say someone broke into multiple cars at the trail head around lunchtime Wednesday. Huaraches Black And White Tumblr

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