The road to retirement includes many different life events. If you are divorcing, review the information below to understand how divorce may impact your IPERS benefits.
If you are divorcing before you retire, both you and your attorney should keep these points in mind.
- Your former spouse is referred to as an alternate payee by IPERS.
- IPERS can only administer a shared payment method for dividing benefits. Only one account exists and, as the IPERS member, it is your account. IPERS will track payments to your former spouse for tax reasons only.
- Until your divorce is final, you must have written consent from your spouse to change your beneficiary designations.
- A QDRO may determine which benefit payment options are available at retirement. Consider these options when drafting your domestic relations order.
- Consider whether you should divide death benefits. If death benefits are not addressed in the order, your alternate payee may have no right to any share of death benefits.
- Ask your attorney to contact IPERS to review your QDRO for pre-approval. This will help avoid prohibited terms and conditions.
Model QDRO and Instruction Packets
IPERS does not generate QDROs; however, we do provide a model QDRO template and instruction packet to assist you. They include:
- Mandatory, permitted and prohibited provisions.
- Summary of the legal requirements.
- Practical pointers for drafting a QDRO.
Use the model and instruction packet to help expedite IPERS’ review and ensure the acceptance of your proposed or final order. If you are divorcing after you retire, please visit the Retiree Divorce page for additional information and templates.