In-Plan Exchanges & Plan Provider Distribution Requests

VBCPS 403(b) plan participants who have account balances with any of the 403(b) Investment Providers that have been deselected from the plan and/or have a current account with Voya in the VBCPS 403(b) plan may be eligible to initiate the following transactions.  Click on the links below to learn more:

1. Exchange/Rollover Request
2. Loan Request
3. Distribution Request
4. Hardship Withdrawal Request

Protecting your personal information is one of our top priorities. Our security measures are continuously evolving to match and anticipate threats and to respond to changes in the fraud landscape. On December 20, 2021, planwithease.com implemented Multifactor Authentication (MFA) for initial and subsequent account access. MFA is a security technology that requires multiple methods of authentication from independent categories of credentials to verify a user’s identity for login purposes. MFA helps to protect your online account from unauthorized access. The impact to you depends on your personal situation.

planwithease.com Instructions

To help keep your retirement plan in compliance with the latest regulations, your Plan Sponsor has selected planwithease.com to administer your plan. Once you access your account, planwithease.com will act on your Plan Sponsor’s behalf to review and approve loan and withdrawal requests under the plan, in accordance with IRS regulations.

View a Demonstration
View a demonstration of how planwithease.com can be used to manage your retirement account.

Access Your Account
To access your account online, go to www.planwithease.com. How you access planwithease.com depends on your personal situation:

1. Already registered for planwithease.com – If you registered before 12/20/2021, enter your Username and Password and select “Log In”. You will be directed to the registration process to select a Username and Password to use for subsequent logins.
2. Already registered for the Voya Participant Website – If you have a retirement account with Voya and already registered for the Participant Website (but not planwithease.com), your Username and Password for your Voya account can also be used to access planwithease.com after you select “Register Now” to initiate the account registration process. To verify your identity, you’ll be asked for your Social Security Number and temporary Personal Identification Number (PIN) assigned by planwithease.com and mailed to your home address. If you don’t know your PIN, follow the prompts to complete the registration process with your Social Security Number and date of birth.
3. Not registered for planwithease.com or the Voya Participant Website – If you have a retirement account with Voya and have not yet registered for either website, select “Register Now” to initiate the account registration process. To verify your identity, you’ll be asked for your Social Security Number and temporary Personal Identification Number (PIN) assigned by planwithease.com and mailed to your home address. If you don’t know your PIN, follow the prompts to complete the registration process with your Social Security Number and date of birth. During the registration process, you will create a Username and Password for subsequent logins.
4. Not registered for planwithease.com – If you do not have a retirement account with Voya and have not yet registered for planwithease.com, select “Register Now” to initiate the account registration process. To verify your identity, you’ll be asked for your Social Security Number and temporary Personal Identification Number (PIN) assigned by planwithease.com and mailed to your home address. If you don’t know your PIN, follow the prompts to complete the registration process with your Social Security Number and date of birth. During the registration process, you will create a Username and Password for subsequent logins.

Please note that some characters in your assigned temporary PIN may look similar as shown in this sample PIN:

Once logged in, you can view your personal information and provide your email address to complete your initial log in. All other information changes should be made through your employer.

• If you are eligible to participate in the plan, but have not yet enrolled, your personal information (as provided by your employer) is the only information planwithease.com will maintain and the only information you can view. Once you complete the enrollment process (including a Salary Reduction Agreement, if applicable), you will be able to access additional information on planwithease.com.
• If you are already enrolled in the plan, you can view a summary of your account, showing each of your Investment Providers and your contract information.
• To ensure that you receive required information from planwithease.com, please add customerservice@planwithease.com to your email contacts list.

Request Approval for Distributions
If you want to move assets from one of the legacy 403(b) providers to your Voya 403(b) account, known as an exchange or if you need to access funds from your retirement plan through a loan, hardship or other type of withdrawal or distribution that is available under your Plan, planwithease.com is the central location through which you will obtain the necessary plan approvals. If you need to take a distribution or loan from your account, mouse-over “Request Transactions”, select “Loans & Withdrawals from the top menu in planwithease.com and then select the type of distribution desired. The options available to you will be determined by your plan’s guidelines and your eligibility for the requested distribution.

If you are moving assets from one of the legacy providers in your plan to your Voya account, select “Manage Investments” and then select Exchanges/Rollovers/Transfers.  Follow the instructions on screen to submit your request. Some distribution requests require additional documentation be mailed or faxed to planwithease.com for review before approval can be granted. Note: If you are attempting to move the entire account balance please change the drop down from Dollars to Percent.

Obtain Approval Certificate
After you have successfully completed the request and been approved, you will receive an online notice confirming your request and alerting you that an Approval Certificate is available for download. A link to the Certificate will appear on screen. In addition, the Certificate can also be found by selecting “Documents” from the top menu in planwithease.com and then “Reports/Letters”. The Certificate confirms the details of your request and is required by your Investment Provider.

Request Distribution of Assets from Your Account(s)
Once you have an Approval Certificate from planwithease.com, you can contact your Investment Provider to initiate the distribution of assets from your retirement plan. Your Investment Provider will require that you provide a copy of the Approval Certificate. The Certificate serves as your employer’s signature and authorization for your distribution request. Your Investment Provider may apply contractual terms and restrictions in addition to your plan’s provisions.

Contact planwithease.com
There are several ways to contact planwithease.com: