Who This Applies To

This article is for employees/participants with a Ubiquity 401(k) account.

Updating Your Contact Information and Login Credentials

If you’re leaving your current employer and registered your account with your work email, you should update your login to a personal email address you check regularly. This ensures you’ll continue to have access to your account, including password resets, once you no longer have access to your work email.

You can update your email, password, and other details anytime:

  1. Log in to your account dashboard
  2. Click Profile from the left navigation menu.
  3. Under Login Credentials, update your email address and/or password.
    • As a security measure, you’ll need to enter your current password.
    • Passwords must be at least 16 characters long, and include:
      • 1 uppercase letter
      • 1 number
      • 1 special character (e.g., $, #, !, &)
    • Passwords are case-sensitive.
  4. Click Save login credentials.

From the same Profile menu, you can also update your:

  • Mailing address
  • Telephone number
  • Notification preferences

Information Only Your Plan Sponsor Can Update

For security and compliance reasons, you must contact your Plan Sponsor (employer) if you need to update:

  • Social Security Number
  • Name
  • Date of Birth
  • Date of Hire

Updating Your Contribution Elections

Your company’s retirement plan determines how often you can change the amount or percentage you contribute to your 401(k). You can review these rules in the Summary Plan Description, found under 401(k) > Documents & Forms.

To change your contribution amount/percentage:

  1. Log in to your account dashboard.
  2. Click 401(k).
  3. Click Manage Deferrals.
  4. Update your elections and click Save.
  • Your employer will be notified of the change.
  • You’ll receive an email confirmation.
  • The new contribution will typically apply to your next payroll, as long as the change is submitted in time for payroll processing.

👉 You may stop contributions entirely, though we generally don’t recommend this since it reduces your retirement savings.

Updating Your Beneficiaries

Keeping your beneficiary designations current ensures your savings are distributed according to your wishes in the event of your passing. Life changes such as marriage, divorce, births, or deaths may affect who you want to name.

To update beneficiaries:

  1. Log in to your account dashboard
  2. Click 401(k) in the left navigation menu.
  3. Select Beneficiaries.
  4. Add, edit, or remove beneficiaries as needed.

Important Notes About Beneficiaries

  • Spousal consent: If you live in a community or marital property state (e.g., California, Texas, Washington, Wisconsin) and want to name someone other than your spouse, you may need written spousal consent. If consent isn’t obtained, your designation may not be valid. Consult a tax or legal advisor if you’re unsure.
  • Non-U.S. citizens: If your beneficiary does not have a Social Security Number, enter their Taxpayer Identification Number (TIN) instead.
  • Trusts: To designate a Trust, select the beneficiary type as Estate and enter your personal information in the remaining fields.
  • Primary vs. contingent beneficiaries:
    • A primary beneficiary is first in line to receive your account balance.
    • A contingent beneficiary receives the balance if your primary beneficiary(ies) are no longer living.

What Happens If You Don’t Update Your Information

  • Using a work email risks losing account access after leaving your employer.
  • Outdated addresses or phone numbers may prevent you from receiving important notices.
  • Not updating contribution elections could mean your savings strategy doesn’t align with your goals.
  • Failing to review beneficiaries could cause your account to be distributed differently than you intended.

Need Help?

Email: info@myubiquity.com 
Chat: Log in to your account and click the chat icon to reach us 24/7.