Understanding what happens to 401k when you die is essential. Generally, your 401k passes to the beneficiary you've designated. If you haven’t named one, the funds may go to your estate, which can delay the distribution process. Beneficiaries have options like withdrawing the money or rolling it into another retirement account. Keep in mind that the tax implications will vary dependin... https://www.federalpensionadvisors.com/post/what-happens-to-401k-when-you-die