Divorce and IPERS Benefits Qualified Domestic Relations Orders (QDROs)

Commonly Asked Questions

How can my IPERS benefit be divided in a QDRO?
There are 3 basic methods of dividing a member’s IPERS account in a QDRO. See page 5 of the Model QDRO for more information.

Does IPERS maintain a separate account for the alternate payee after the QDRO is filed?
No, your account remains whole.

When will an alternate payee receive his or her share of an IPERS benefit?
The alternate payee receives payment of the portion of IPERS benefits at the same time as you (or your beneficiaries).

Can I change my beneficiary before I’m legally divorced?
You will need your spouse's consent if you want to change your beneficiary before you are legally divorced. If your spouse will provide his or her consent, you can change your beneficiary. Otherwise, you will need to wait until you are legally divorced to update your beneficiary information.

Can IPERS' legal department draft my QDRO?
No, IPERS' legal department can only review QDROs and let you know how they will be interpreted. You need to work with your attorney to draft your QDRO. Be sure to have your attorney review the Model QDRO located at the bottom of the Member Forms page.

Is a QDRO always necessary in cases of divorce?
No. If you and your spouse mutually agree that the value of your IPERS benefit can be offset by other marital property, your IPERS retirement benefit may remain entirely with you, and a QDRO will not be needed.