Retirees: Click here for your answer key

1. Where can Retirees see their ERSGA beneficiary designation?

A. By logging in to their secure ERSGA account
B. By calling their cousin who knows a lot about retirement
C. By asking their pet for financial advice

Correct Answer: A. By logging in to their secure ERSGA account. Visit ers.ga.gov and log in to your secure account and review your beneficiary information.

2. How often should Retirees review their beneficiary designations?

A. After any major life event (marriage, divorce, birth, death)
B. Yearly: Set a yearly reminder
C. Both A and B
D. You can’t update beneficiaries

Correct Answer: C. Both A and B. As a Retiree, this is when you can update. Review yearly to make sure beneficiary contact info is current such as their address.

3. True or False: It’s important to keep your beneficiary contact information up to date, such as their name and address.

A. True
B. False

Correct Answer: A. True. Even if your beneficiary hasn’t changed, contact info helps ensure benefits are delivered quickly and correctly

4.True or False: You should contact ERSGA if your designated beneficiary passes away.

A. True
B. False

Correct Answer: A. True. Contact ERSGA if your current designated beneficiary passes away. We can help you with how to update your beneficiary designations, and we’ll let you know if there are any special provisions for your monthly benefit you can exercise now or in the future.

5. True or False: You cannot designate a beneficiary for your ERSGA pension in a will.

A. True
B. False

Correct Answer: A. True. As per Georgia law, an ERSGA beneficiary must be designated through ERSGA. 

6. A designated beneficiary ensures your retirement savings go directly to the person you choose, rather than getting stuck in __________.

A. Atlanta traffic
B. Legal limbo, probate, court battles, delays, etc.
C. Space

Correct Answer: B. Legal limbo, probate, court battles, delays, etc. Designating a beneficiary gives you and your loved ones peace of mind.

7. Why is it important to keep beneficiary information current?

A. If ERSGA cannot contact them, the beneficiary will have a delay in receiving their benefit.
B. Legal Binding: ERSGA honors the beneficiary designation on file—not what’s in your will.
C. Adaptability: Life changes such as marriage, divorce, or the addition of a new family member should prompt you to update your records.
D. Peace of Mind: Regular reviews and updates help ensure that your benefits go exactly where you intend.
E. All of the above

Correct Answer: E. All of the above

Members: Click here for your answer key

1. What’s the best way for members to update their ERSGA pension beneficiary?​

A. Call their cousin who knows someone at ERSGA
B. Write it in their will and hope for the best
C. Log in at ers.ga.gov and submit the change online
D. Send a paper airplane with the name written on it

Correct Answer: C. Log in at ers.ga.gov and submit the change online

2. Which of the following cannot be a beneficiary for a pension plan?

A. A spouse
B. An adult child
C. A parrot named Sir Squawks-a-Lot
D. A charity or estate

Correct Answer: C. A parrot named Sir Squawks-a-Lot

3. Why is it important for members to keep their beneficiary information up to date?

A. So benefits are paid to the right person without delays or legal issues
B. Because life changes—marriage, divorce, children—can affect beneficiary choices
C. Because ERSGA can’t guess who you meant to name
D. All of the above

Correct Answer: D. All of the above

4. What’s the difference between a primary and a contingent beneficiary?

A. Primary gets the benefit first; contingent is the backup
B. Primary and continent share the benefit if both are alive
C. Primary is the favorite; contingent is the underdog
D. Primary gets a cape; contingent gets a hat
E. There is no difference

Correct Answer: A. Primary gets the benefit first; contingent is the backup

5. What system do members use to update their PSR 401(k) or 457 beneficiaries?

A. Gabreeze.ga.gov
B. GaWindy.ga.gov
C. BreezyBenefits.biz
D. They can’t as it’s only done at the DMV

Correct Answer: A. Gabreeze.ga.gov

6. Can a minor be named as a beneficiary for a pension in Georgia?

A. Yes, but a guardian or custodian may need to be appointed to receive the benefit
B. No, only adults can be beneficiaries in Georgia
C. Yes, and the benefit is paid to the minor directly, no questions asked
D. Only if the child passes a financial literacy test

Correct Answer: A. Yes, but a guardian or custodian may need to be appointed to receive the benefit

7. Do ERSGA pension and PSR (401(k)/457) beneficiaries need to be updated separately?

A. No, updating one automatically updates the other
B. Yes, they are managed on different systems and must be updated individually
C. Only if you remember to do both before retirement
D. They update themselves with AI… eventually

Correct Answer: B. Yes, they are managed on different systems and must be updated individually

8. If a member updates their will but not their ERSGA beneficiary designation, which document takes priority?

A. The will, because it’s legally binding
B. ERSGA beneficiary designation because it’s the official record for pension benefits
C. Whoever finds the paperwork first
D. It’s a coin toss… Good luck

Correct Answer: B. ERSGA beneficiary designation because it’s the official record for pension benefits

9. Where can you find helpful info about updating beneficiaries, especially during life events like marriage, divorce, or retirement?

A. In a fortune cookie
B. On the ERSGA website under the “Life Stages” tab or in plan handbooks
C. In your childhood diary
D. In a cookbook

Correct Answer: B. On the ERSGA website under the “Life Stages” tab or in plan handbooks

Employers: Click here for your answer key

1. If an employee fills out a paper beneficiary designation form, you should:​

A. File it and keep it quiet
B. Send it to ERSGA to make it official
C. Scan it and save it in your personal files

Correct Answer: B. Send it to ERSGA to make it official

2. Why is it important to encourage employees to designate their beneficiaries?

A. It’s a benefit they earned
B. It’s the cool thing to do
C. It helps ensure benefits are passed on smoothly
D. All of the above

Correct Answer: C. It helps ensure benefits are passed on smoothly

3. What is a primary beneficiary?

A. The person who inherits your sense of humor
B. The person who receives your retirement benefit first
C. The person who fills in if no one else is around
D. The person who calls ERSGA for you

Correct Answer: B. The person who receives your retirement benefit first

4. What is a contingent beneficiary?

A. A backup beneficiary in case the primary can’t receive the benefit
B. Someone who really wants to be your beneficiary but isn’t yet
C. Your boss
D. Someone you name just for fun

Correct Answer: A. A backup beneficiary in case the primary can’t receive the benefit

5. Who can be named as a beneficiary for a pension account and possibly be eligible for a monthly lifetime benefit?

A. A parrot, because they live a long time
B. A person, including your spouse
C. Your favorite charity
D. Your estate

Correct Answer: B. A person, including your spouse

6. Where should a member go to designate a beneficiary for their ERSGA pension?

A. YouTube
B. ers.ga.gov
C. amazon.com
D. facebook.com

Correct Answer: B. ers.ga.gov

7. Where should a member go to designate a beneficiary for their PSR 401(k) or 457 account?​

A. Netflix
B. gabreeze.ga.gov
C. irs.georgia
D. google.com

Correct Answer: B. gabreeze.ga.gov