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21. Is MassMutual charging amendment fees to enact the CARES provisions? What
about other amendments?

There will not be any fees associated with regulatory amendments specific to CARES Act.
Other discretionary amendments will maintain the existing fee structure. Please discuss any
related amendment fees with your TPA, if applicable.

22. Does a participant have to be on a leave of absence in order to suspend loan
repayments under the Act?
No, any Qualified Individual is eligible for a one-year suspension for loan repayments due
between March 27, 2020 and December 31, 2020.

23. What is the difference between Terminated, Furloughed, and Laid Off
Employees?
Terminated, Furloughed, and Laid Off are different terms and can have different definitions.
When deciding whether one of these terms results in a true termination of employment event,
you should speak with legal counsel. Please see the Your Retirement Plan and the Coronavirus
article for further information.

24. What is the process for suspending a participant loan under the CARES Act?
Once determined the participant is eligible for a loan suspension, the suspension can be
made through our current process. Additionally, for bulk suspensions of 20 or more
participants, MassMutual will accept a file to process the bulk suspensions. Please work with
your MassMutual representative or TPA. Participants will not be able to systematically suspend
or request a suspension of their loan directly to MassMutual.

25. Is a CRD a Hardship Distribution?

No, it is a new type of distribution as provided under the Act and available to both active and
terminated participants who are Qualified Individuals.

26. Am I able to stop making employer contributions to the Plan?
Please see MassMutual’s article, Your Retirement Plan and the Coronavirus for operational
questions relative to Loans, Hardship withdrawal, and Employer contributions

P a g e | 9 | RS-49007-00
This document is intended for Plan Sponsor and Third-Party Administrator use only. Not intended for Participant
use.
Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001,and it affiliated US
insurance companies