The Seventh Circuit affirmed the district court’s grant of summary judgment to the University of Chicago and TIAA, ruling that the plaintiffs’ claim for retirement benefits under the Employee Retirement Income Security Act (ERISA) failed because the spousal waiver executed by an attorney-in-fact was invalid. The court held that under Wisconsin law, specifically Wis. Stat. § 244.41(1)(f), an agent requires an express and specific grant of authority in a power of attorney to waive a principal’s right to be a beneficiary of a joint and survivor annuity. Because the power of attorney at issue contained only a general grant of authority regarding estates and trusts, it did not satisfy the statutory requirement for waiving spousal survivor benefits. The court applied a de novo standard of review to this question of law and determined that the specific statute governing waivers of annuity rights controlled over the general statute regarding beneficial interests. Consequently, the 2019 beneficiary designation form was deemed deficient, and the plaintiffs were not entitled to the death benefits. The court also affirmed the dismissal of the plaintiffs’ alternative claims for breach of fiduciary duty under 29 U.S.C. § 1132(a)(3) and negligence against TIAA. Regarding the fiduciary claim, the court found that the university acted in accordance with the law and plan requirements, thus breaching no duty. The negligence claim was dismissed because ERISA preempts state-law claims that have an impermissible connection with the administration of an ERISA plan; TIAA’s role as recordkeeper in processing beneficiary designations constitutes a central matter of plan administration, rendering the common-law negligence claim preempted regardless of whether TIAA was classified as a fiduciary. Additionally, the court denied the plaintiffs’ motion to certify a question regarding lump-sum payments to the Wisconsin Supreme Court, noting that the proposed question misstated the actual legal issue and that the case-specific facts were not suitable for certification. As a practical consequence, the University of Chicago and TIAA are not required to distribute Edward Lyon’s retirement benefits to the grandchildren’s trusts as requested in the 2019 form. Instead, the original 1998 beneficiary designation remains in effect, meaning the benefits will be split between Edward’s trust and Valerie Lyon’s estate, ultimately passing to their children rather than directly to their grandchildren.