Frequently Asked Questions

These FAQs are intended to be general in nature, please consult previous communications from us for plan-specific FAQs.

Why do I have a Customer Identification Number?

To protect your privacy, Prudential does not use your Social Security Number (SSN) in any correspondence we send you. Instead, we create a unique Customer Identification Number (CIN) for every person with an annuity as an identifier to be used in place of your SSN in our communications to you. The CIN is a nine-digit, alpha-numeric number that starts with a letter—for example, A12345678.


What is the "Contract" that was purchased and what kind of annuity was purchased for me under it—a group annuity or an individual annuity?

The “Contract” that was purchased to provide your annuity is a group annuity contract offered through the Prudential Insurance Company of America. A group annuity contract is a financial product sold by an insurance company that provides a guaranteed stream of income for members of a group at stated intervals (in this case monthly) for each recipient’s lifetime, and, in some circumstances, if applicable, for the lifetime of a joint annuitant (such as a spouse) thereafter.


What is a Contract Number and why do I need to reference it when I contact you?

A Contract Number is the unique identifying number assigned to the group annuity contract that covers the annuity that was purchased for you. Whenever you contact us by phone or mail, you should reference your Contract Number. It helps us locate your records on our administrative systems and enables us to be more responsive to you.


My Fact Sheet has a box titled “Important Information Regarding Beneficiary Designation” and it indicates that I may have a death benefit payable to a beneficiary I choose. Why do I need to complete your Beneficiary Designation Form? I already filled out a form before my benefit transferred to Prudential.

If this box appears on your Fact Sheet, then your benefit has a death benefit feature that requires you to designate a beneficiary:

  • Prudential is required to have your valid beneficiary designation form in our records. Since your prior payer did not transfer your prior beneficiary designation form to us, we ask that you complete the form enclosed in this folder and return it to Prudential to ensure that we have your valid beneficiary form on file.
  • If this box is not on your Fact Sheet, your benefit does not have a death benefit feature.


I currently receive my pension benefit through direct deposit. Will Prudential continue that?

If you currently receive your pension through direct deposit, your prior payer provided that information to Prudential, and we will continue direct deposit of your benefit. No action or information is required on your part for Prudential to continue your direct deposit.


How safe is my Prudential annuity?

Your annuity is provided under a group annuity contract issued by The Prudential Insurance Company of America, a New Jersey life insurance company whose principal office is located in Newark, New Jersey. As a highly regulated insurance company, The Prudential Insurance Company of America is required to maintain appropriate reserves to meet its financial obligations. Click here to learn more about Prudential.




Guarantees are based on the claims-paying ability of the insurance company and are subject to certain limitations, terms and conditions. Prudential Financial, The Prudential Insurance Company of America, and Prudential Retirement are each solely responsible for its contractual obligations and financial condition.