[IYAS9YAS]

It sounds like the plan vests 100% employer contributions that are in the trust, or plan, for 2 years. That’s a pretty good vesting schedule. That means that employer contributions that have been in the trust for more than 2 years are your husband’s. Employer contributions made during the last 2 years would be forfeited upon termination of employment.

How does that work if the fedgov says you are to be 100% vested at six years? Is it a moving target? My understanding was that once you hit the 100% vesting target date, 100% of what was in the account was yours, both your contributions and the employer's, both past and future contributions.

[ken in texas]

How does that work if the fedgov says you are to be 100% vested at six years? Is it a moving target?

The target doesn't move, each employer contribution has its own vesting period which cannot exceed six years. In this case, the vesting period is two years, so any employer contributions within the last two years are subject to either partial or full forfeiture, depending on the terms of the plan.