deferred compensation

Online Guide to
Deferred Compensation

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deferred compensation
Deferred Compensation (n. - definition) - in general, a non qualified plan in which a company or organization gives an unsecured promise to pay a future benefit to one or more selected employees.
deferred compensation

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  • Deferred Compensation Plans are non-qualified plans (NQDC).

  • Deferred Compensation Plans are company/organization plans which promise future benefits to some selected employees.

  • Generally, the promise is unsecured.

  • There are no ERISA (Employment Retirement of 1974) requirements since the deferred compensation plan is non-qualified.

  • The employer can discriminate and has freedom to select the employee(s) who are to be future beneficiaries of deferred compensation plan.

  • The employer has many choices for funding this unsecured promise.

  • The future benefit period starts at a preset time determined by the deferred compensation plan design.

  • Generally, assets used to fund these type plans remain assets of the company/organization until dispersed to the plan beneficiary.

  • In order to “protect beneficiaries future interests” given certain conditions, deferred compensation plans can be designed to implement “payouts” prior to preset future starting points.

  • Sometimes “Rabbi Trusts” are used within these plans.

  • Non-qualified deferred compensation plans can have employee and employer contributions, individually, or both in combination.

  • Some deferred compensation plans can provide access to assets prior to preset benefit pay date.

  • NQDC Plans do not have major reporting and no significant filing requirements.

  • For various practical and tax reasons life insurance is frequently used with these NQDC Plans.

  • Deferred compensation plan policies are state specific, and not all insurance companies offer deferred compensation plan policies to companies and/or organizations in all states.

  • The death benefit payable to a beneficiary upon the death of the insured is dependent on the claims paying ability of the issuing life insurance company.

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Copyright © 1998-2007. Deferred Compensation Plan Information Guide. All rights reserved.

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