Understanding Forms

Our goal at Creative Retirement Systems, Inc. (CRS) is to process your distribution as quickly and efficiently as possible. Most common causes for delays in processing distributions are as follows:


Distribution forms not properly completed (Main Cause).


Delays from the client sending CRS information to process the payout.


Repeated phone calls to our office requesting a status update.

Form Request Process

In order to help process loans in a timely manner, we would like to walk you through the whole process.

  • STEP 1

    CRS receives distribution request (distribution application) from an employee

  • STEP 2

    The distribution team reviews the paper work to make sure it is filled out correctly. If not, a notice is sent to the employee requesting additional information.

  • STEP 3

    CRS sends a fax to the client asking for detailed information on the employee. This information is needed to calculate the vested amount due to the employee. (This step can be bypassed if the terminated employee has the trustee complete and sign the enclosed Appendix A).

  • STEP 4

    Once CRS receives this information from the client and the corrected forms from the employee, the actual calculation is done and a request for a withdrawal is made by CRS to the investment company.

  • STEP 5

    Once STEP 4 is completed, the investment company takes over in processing your distribution.

  • STEP 6

    Depending on the investment company, a check will be sent to you directly or sent to the plan trustee. The plan trustee will then forward the check to you. Also, some investment companies may require you to complete additional forms.


In order to process distributions in a timely manner, we are forced to restrict the amount of time we spend on the phone giving participants a daily update on their request. Please note that we will not return phone calls by participants requesting a status on a daily basis.

Form Submission Prerequisites

This form includes the annuity payment option that might not be allowed under your plan. If you would like to choose this option, please contact your company to see if annuities are allowed. You can also contact us to request this information.

Contact Us

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