Carpinello, J.
Upon retiring from State employment, Philip N. Schwind (hereinafter decedent) selected the five-year certain retirement option and filed a form dated August 1, 1996 naming petitioner, decedent's niece, as beneficiary. Thereafter, decedent requested from the New York State and Local Employees' Retirement Systems a change of beneficiary form. On August 19, 1996, he completed the form naming respondent Richard Kappeler as the primary beneficiary and petitioner...
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