What is a New York Qualified Domestic Relations Order (QDRO)

Divorce can be a complex and emotionally charged process, often involving the division of marital assets, including retirement accounts. In New York, as in many other states, the division of retirement assets is governed by a legal instrument known as a Qualified Domestic Relations Order (QDRO). A New York QDRO is a crucial component of divorce proceedings, ensuring that retirement benefits are divided fairly between spouses. In this article, we will explore what a New York QDRO is, its purpose, and how it works.

What is a QDRO?

A Qualified Domestic Relations Order, or QDRO, is a court order that establishes the right of an alternate payee (usually a former spouse) to receive a portion of the retirement benefits earned by a plan participant (the other spouse) in a divorce or separation. The QDRO is a critical legal document that allows the distribution of retirement benefits to the alternate payee without incurring early withdrawal penalties or tax consequences. In New York, as in many other states, QDROs are used to divide a variety of retirement accounts, such as 401(k)s, IRAs, and pension plans.

Purpose of a New York QDRO

The primary purpose of a New York QDRO is to ensure the equitable division of retirement assets during a divorce or separation. When a married couple accumulates retirement benefits during their marriage, those assets are considered marital property and subject to equitable distribution. A QDRO allows the court to specify how these assets should be divided between the spouses, taking into account factors such as the length of the marriage, the contributions made by both spouses, and other relevant considerations.

Key Components of a New York QDRO

Identification

The QDRO must clearly identify the retirement plan or account to be divided, including the plan name, account number, and the name of the plan participant and alternate payee.

Benefit Calculation

The QDRO should specify the exact portion of the retirement benefits that the alternate payee is entitled to receive. This is often expressed as a percentage or a dollar amount.

Payment Method

The order must detail how and when the payments will be made to the alternate payee. Common options include lump-sum payments, periodic installments, or the commencement of benefits when the plan participant retires.

Tax Implications

It’s essential to address any tax implications in the QDRO, including whether the alternate payee will be responsible for any taxes associated with the distribution.

Survivor Benefits

The QDRO may address whether the alternate payee is entitled to survivor benefits should the plan participant pass away before or after retirement.

The QDRO Process

The QDRO process typically unfolds as follows:

Initial Agreement

During divorce proceedings, the divorcing couple or their attorneys negotiate and agree on the division of retirement assets.

Drafting the QDRO

Once an agreement is reached, a qualified attorney drafts the QDRO, ensuring that it complies with both state and federal laws.

Court Approval

The QDRO is submitted to the family court, where it is reviewed for compliance and fairness. If approved, the court issues the order.

Plan Administrator Approval

The QDRO is sent to the retirement plan’s administrator for final approval, ensuring it complies with the specific rules of the plan.

Implementation

Once the QDRO is approved by the court and the plan administrator, the retirement benefits are divided according to the terms outlined in the order.

A New York Qualified Domestic Relations Order (QDRO) plays a crucial role in ensuring the equitable division of retirement assets during a divorce or separation. It is a legal instrument that defines the rights and responsibilities of both spouses and the plan administrator. To ensure a fair and smooth distribution of retirement benefits, it is essential to work with qualified attorneys who focuses on family law and have experience with QDROs. With a well-drafted and court-approved QDRO, both parties can navigate the complexities of divorce while securing their financial futures.

The Complexity of QDROs and Retirement Plans

Retirement plans are governed by a variety of rules and regulations that differ depending on the type of plan, such as a 401(k), pension plan, or IRA. Each type of plan has specific requirements for how assets can be divided and distributed. For example, defined benefit plans, commonly known as pension plans, provide a fixed monthly benefit upon retirement, while defined contribution plans like 401(k)s depend on the contributions and investment performance. These differences necessitate a precise and knowledgeable approach to drafting QDROs.

Additionally, the Employee Retirement Income Security Act (ERISA) and the Internal Revenue Code impose stringent guidelines on the division of retirement benefits. A QDRO must meet all these legal standards to be accepted by the plan administrator. Any mistakes in drafting the QDRO can result in delays, rejection by the plan, or unintended tax consequences. Therefore, the intricacies involved in understanding these plans and legal requirements highlight the importance of seeking professional assistance.

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– Melissa W.

Why You Need a QDRO Specialist

Navigating the complexities of QDROs without professional assistance can lead to significant financial and legal repercussions. An experienced QDRO specialist brings a wealth of knowledge and a keen understanding of the nuances involved in these orders. They can accurately interpret the terms of the divorce agreement and ensure that the QDRO complies with all legal and plan-specific requirements.

Moreover, a QDRO specialist can prevent costly mistakes. Errors in a QDRO can lead to the rejection of the order by the plan administrator, resulting in additional legal fees and delays. Incorrectly drafted QDROs can also create unintended tax liabilities or fail to protect the interests of the receiving spouse. By hiring a QDRO specialist, you ensure that the division of retirement assets is executed correctly, providing financial security and peace of mind.

The Role of a QDRO Specialist in the Divorce Process

A QDRO specialist plays a vital role in the divorce process, particularly when it comes to the division of retirement assets. They work closely with your divorce attorney to draft a QDRO that reflects the terms of the divorce agreement accurately. This collaboration is essential to ensure that the order is tailored to the specific retirement plan involved and that it meets all legal requirements.

The QDRO specialist will also liaise with the plan administrator to facilitate the approval process. This step involves submitting the draft QDRO to the plan administrator for review and making any necessary revisions based on their feedback. Once the QDRO is approved, the specialist ensures that the order is implemented correctly, overseeing the transfer of funds or benefits to the receiving spouse.

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Ensuring Compliance and Avoiding Legal Pitfalls

One of the primary benefits of hiring a QDRO specialist is their ability to ensure compliance with all relevant laws and regulations. ERISA and the Internal Revenue Code have specific requirements for QDROs, and failing to meet these standards can lead to the rejection of the order or other legal issues. A QDRO specialist has the experience to navigate these regulations and draft an order that meets all necessary criteria.

Furthermore, a QDRO specialist can help avoid common legal pitfalls. For instance, without proper guidance, the division of retirement assets can inadvertently create tax liabilities or fail to protect the financial interests of both parties. By ensuring that the QDRO is drafted correctly, a specialist helps prevent these issues and safeguards your financial future.

Key Differences Between QDROs and DROs in Saratoga County, New York

Divorce proceedings often involve the division of assets, including retirement benefits. In Saratoga County, New York, understanding the intricacies of Qualified Domestic Relations Orders (QDROs) and Domestic Relations Orders (DROs) is crucial for ensuring a fair and equitable distribution of retirement assets. While both play a pivotal role in the division process, they have distinct features that can significantly impact the outcome for the parties involved.

Definition and Purpose

   QDRO (Qualified Domestic Relations Order)

     A QDRO is a legal order that recognizes the right of an alternate payee (usually a former spouse) to receive a portion of the participant’s retirement plan benefits. It is essential to note that QDROs are specifically designed for tax-advantaged retirement plans, such as 401(k)s and pension plans governed by the Employee Retirement Income Security Act (ERISA).

   DRO (Domestic Relations Order)

     DROs, on the other hand, serve a broader purpose. They encompass any court order concerning the distribution of marital assets, including retirement benefits. While QDROs are a subset of DROs, not all DROs meet the specific criteria for qualified status under ERISA.

Applicability and Jurisdiction

   QDRO

     QDROs are applicable only to ERISA-covered retirement plans. They must meet certain federal requirements to qualify, and the court issuing the order must have jurisdiction over the retirement plan.

   DRO

     DROs are more versatile and can apply to a variety of retirement plans, including those not governed by ERISA. The jurisdictional requirements for DROs may vary, and they can be utilized for a broader range of domestic relations matters beyond retirement benefits.

Tax Implications

   QDRO

     QDROs offer a tax advantage by allowing the transfer of retirement funds between spouses without incurring early withdrawal penalties or immediate taxation. The recipient spouse assumes responsibility for any applicable taxes upon distribution.

   DRO

     DROs may have different tax consequences, depending on the nature of the retirement plan involved. It is crucial to consult with tax professionals to understand the tax implications associated with the specific retirement accounts being divided.

Procedural Requirements

   QDRO

     QDROs have stringent procedural requirements, and it is imperative to adhere to the guidelines outlined by the retirement plan administrator. Failure to comply with these requirements may result in delays or rejection of the order.

   DRO

     While DROs also have procedural requirements, they may not be as rigid as those for QDROs. However, it is essential to ensure that the order complies with the rules of the specific retirement plan involved.

In Saratoga County, New York, navigating the complexities of divorce and asset division requires a nuanced understanding of the key differences between QDROs and DROs. Choosing the appropriate mechanism for dividing retirement benefits depends on the nature of the plan, tax considerations, and adherence to procedural requirements. Seeking legal counsel and consulting with financial experts can help ensure a smooth and equitable distribution of assets, setting the foundation for a stable financial future post-divorce.

How can Jean M. Mahserjian, Esq. help you on QDRO cases in New York

At the Law Offices of Jean M. Mahserjian, Esq., we focus on providing comprehensive legal assistance in all matters related to divorce, including the complex and crucial area of Qualified Domestic Relations Orders (QDROs) in New York. With extensive experience and a commitment to excellence, our firm is dedicated to guiding clients through the intricacies of QDRO cases to ensure a fair and equitable division of retirement assets.

Experience in Family Law

   Jean M. Mahserjian, Esq., is a seasoned family law attorney with a deep understanding of the legal landscape surrounding divorce and asset division. Her experience extends to the nuanced realm of QDROs, allowing clients to benefit from informed and strategic representation.

Tailored Legal Strategies

   Every divorce case is unique, and our firm recognizes the importance of personalized legal strategies. Jean M. Mahserjian collaborates closely with clients to understand their specific circumstances, financial goals, and concerns. This enables her to craft tailored solutions that align with the client’s best interests.

QDRO Drafting and Approval

   QDROs require meticulous drafting to comply with the specific requirements of retirement plans and legal regulations. Jean M. Mahserjian, Esq., possesses the knowledge and skill to draft comprehensive QDROs that meet the criteria set forth by plan administrators and the courts. Our firm is dedicated to facilitating the approval process and ensuring the timely implementation of the order.

Navigating Legal Complexities

   The legal landscape surrounding QDROs can be complex and challenging to navigate. Jean M. Mahserjian and her team are well-versed in the intricacies of New York divorce law and stay abreast of any changes or updates. This ensures that our clients receive accurate and up-to-date legal guidance throughout the QDRO process.

Client Advocacy

   Our firm is committed to advocating for the rights and interests of our clients. Whether negotiating the terms of a QDRO or representing clients in court proceedings, Jean M. Mahserjian, Esq., strives to achieve fair and favorable outcomes. We understand the emotional and financial stakes involved in divorce cases, and our team is dedicated to providing steadfast support.

Educational Resources

   Understanding the importance of informed decision-making, our firm provides educational resources to clients, helping them comprehend the complexities of QDROs and the implications for their financial future. By fostering clear communication and transparency, we empower clients to make well-informed choices throughout the legal process

QDROs and Stock Option Plans: Navigating Complexities in New York Divorces

Divorce proceedings can be emotionally challenging and legally complex. In New York, the division of assets, including retirement plans and stock options, requires careful consideration and adherence to specific guidelines. Understanding the intricacies of Qualified Domestic Relations Orders (QDROs) and Stock Option Plans is essential to ensure a fair and equitable distribution of assets. Mahserjian & Mahserjian-Ortiz, PLLC is here to guide you through the complexities of QDROs and Stock Option Plans in New York divorces, ensuring your rights and interests are protected.

Understanding QDROs:

A Qualified Domestic Relations Order (QDRO) is a legal document that outlines how retirement benefits are divided between spouses during a divorce. It is crucial to navigate the QDRO process accurately to avoid potential complications. Our experienced team at Mahserjian & Mahserjian-Ortiz, PLLC has in-depth knowledge of New York’s QDRO requirements and can help you create a QDRO that meets all legal standards.

In New York, retirement benefits accumulated during a marriage are considered marital property, subject to equitable distribution. This includes pension plans, 401(k)s, and other qualified retirement accounts. With the assistance of our skilled attorneys, we will help you understand the valuation and division of these assets, ensuring a fair allocation of the benefits you are entitled to.

Navigating Stock Option Plans:

Stock options are an increasingly common form of employee compensation. During a divorce, these options become subject to division if they were granted during the marriage. However, the complexities lie in determining the value and timing of these options, as they may vest over time or depend on certain performance metrics.

Our team at Mahserjian & Mahserjian-Ortiz, PLLC has extensive experience in handling Stock Option Plans in New York divorces. We work closely with financial experts to assess the value of stock options accurately. Our goal is to ensure that the division of these assets is conducted fairly and transparently, protecting your financial interests.

Complying with New York’s Requirements:

New York has specific requirements and procedures when it comes to QDROs and Stock Option Plans. Failing to comply with these requirements can lead to costly delays and legal complications. At Mahserjian & Mahserjian-Ortiz, PLLC, we have a deep understanding of New York divorce laws and keep up to date with any changes that may affect the division of retirement benefits and stock options.

Our dedicated team will meticulously review your case, ensuring all necessary documentation is prepared accurately and filed within the required timelines. We will advocate for your rights and help you navigate the complexities of QDROs and Stock Option Plans, minimizing stress and protecting your financial well-being during this challenging time.

Navigating the complexities of QDROs and Stock Option Plans in New York divorces requires expert legal guidance. With Mahserjian & Mahserjian-Ortiz, PLLC by your side, you can rest assured that your rights and interests will be protected.

Protecting Your Financial Interests:

Divorces involving QDROs and Stock Option Plans can have a significant impact on your financial future. It is crucial to work with a knowledgeable attorney who understands the complexities involved and can advocate for your best interests. At Mahserjian & Mahserjian-Ortiz, PLLC, we are committed to safeguarding your financial well-being during the divorce process.

Our team will meticulously review the details of your retirement accounts, stock options, and other assets to determine the most equitable distribution. We understand the importance of accurate valuation and the potential tax implications associated with these assets. With our guidance, you can make informed decisions that protect your financial interests both in the short and long term.

Tailored Strategies for Complex Cases:

Divorces involving QDROs and Stock Option Plans often require tailored strategies to address unique circumstances. Whether you are dealing with intricate stock option vesting schedules or complex retirement plans, our attorneys have the expertise to navigate these complexities effectively.

We will work closely with financial experts, accountants, and other professionals to ensure a comprehensive understanding of your financial situation. By considering all relevant factors, including the value, tax consequences, and potential future growth of your assets, we will develop a strategy that maximizes your financial well-being.

Negotiation and Litigation Support:

Resolving complex financial matters in divorce cases often involves negotiation and, if necessary, litigation. Our team at Mahserjian & Mahserjian-Ortiz, PLLC is skilled in both aspects, providing comprehensive support throughout the entire process.

Contact us today to schedule a consultation with our experienced team. We will listen to your concerns, evaluate your case, and provide you with personalized legal advice tailored to your specific needs. Our goal is to help you achieve a fair division of assets, ensuring your financial stability as you embark on a new chapter in your life.

Remember, the complexities of QDROs and Stock Option Plans should not be underestimated. Seek the guidance of a knowledgeable attorney to ensure your divorce proceeds smoothly and your future is secure. Trust Mahserjian & Mahserjian-Ortiz, PLLC to handle your case with the expertise and care it deserves.

3 Commonly Asked QDRO Questions

Do you have questions in regards to Qualified Domestic Relations Orders. We put together 3 commonly asked QDRO questions here.

Qualified Domestic Relations Orders (QDRO) Process Explained

Typically, you should submit a QDRO with your judgment of divorce. Some judges are requiring that now; they didn’t use to. You can submit a QDRO later. However, you don’t want to run into the problem where you forget to submit it, and all of a sudden 5, 10, 15, 20 or more years go by. If something happens to your ex-spouse, and you haven’t submitted a QDRO, you’re not going to get the funds. You want to make sure that you do it as soon as possible, preferably when the judgment of divorce is forwarded to the judge.

1. Am I Entitled to Social Security Benefits During a Divorce?

Yes, if you are a divorced spouse and you were married for a period of 10 years or more you are entitled to social security benefits. There are other certain criteria the social security administration will review to determine your eligibility in order to take your ex-spouse’s work record. A court order would not be required.

2. What Happens to My Pension or Deferred Compensation Account After a Divorce?

• A Deferred Compensation Plan is a plan that consists of a set amount of money that can be accessed at periodic intervals after the age of 59 and a half
• The deferred compensation plan is simply divided either in half, or by a percentage that either they or the court has ordered

• In general, the party taking a deferred compensation or pension plan – the non-titled party – is responsible for drafting the order to divide the pension plan or deferred compensation plan.
• Sometimes, in cases that require multiple orders, the cost can be significant and we try to negotiate allocation of the cost to divide these assets before an agreement is done.
• These are marital assets and neither party should bear the total burden of dividing those assets.

Contact Our Divorce Lawyers Today!

Our attorneys are experienced in family law and can help you achieve your legal goals. If you have more inquiries regarding our 3 commonly asked QDRO questions, please contact our Saratoga Divorce Attorneys.

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Post-Divorce Pension and Deferred Compensation Account Transition

All property that is acquired during the marriage is divided in a Divorce in New York State. That includes all deferred compensation plans and defined benefit plans. A defined benefit plan is a plan that pays a specific amount of money every month after retirement. A deferred compensation plan is a plan that consists of a set amount of money that can be accessed at periodic intervals after the age of 59 and a half.

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The defined benefit plan is divided by an order that either sets up a shared pension, or a separate interest pension. In both circumstances, the spouse that is not a participant in the plan will receive a periodic monthly payment from the pension after retirement. The deferred compensation plan is simply divided either in half, or by a percentage that either they or the court has ordered. The part that belongs to the spouse who is not a participant in the plan is rolled over into a rollover IRA. That plan is titled to the spouse that is not a participant in the plan.

This informational blog post was provided by Jean Mahserjian, an experienced New York Qualified Domestic Relations Orders Lawyer.

QDROs: Dividing Retirement Accounts in New York

When we are talking about the division of assets under New York law, we are talking about the division of both debts and assets that were accumulated during the marriage. The New York domestic relations law has an expansive definition of marital property and a less expansive definition of separate property. Separate property might be a bank account that you held prior to the marriage, that remained in your name during the marriage. Or you may have used that bank account to fund the purchase of a marital residence. If that is the case, you may be entitled to a receiving a contribution.

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When we look at assets, we look at many different components of marital assets. These include, but are not restricted to, retirement accounts, IRAs, deferred compensation, real estate, brokerage accounts, life insurance cash value, jewelry, automobiles, personal property and vacation homes.

When couples divorce, they can divide the assets they’ve reserved for retirement proportionally without tax liability under ERISA, the federal statute that regulates retirement benefits. Whether your retirement plan is a defined contribution or a defined benefit plan, you will need a qualified domestic relations order (that a judge signs and that the plan accepts) to effectuate a division of the marital portion of the fund. This is separate from and comes after a separation agreement.

Dividing a Defined Contribution Plan

A defined contribution plan would include a 401(k), an SEP account, a SIMPLE 401(k), profit sharing, and other similar plans where the employee or “plan participant” contributes to the fund. The plan participant’s employer may also contribute to the plan. These funds do not pay out a guaranteed pension payment upon retirement. Rather, the plan participant can access his or her account at a certain age and withdraw money for retirement.

Dividing a defined contribution plan after a divorce does not involve tremendous difficulties. With a QDRO, the plan provider can divide the plan in whatever proportion the parties agree upon or a judge orders. The non-participating spouse, or “alternate payee,” generally sets up a rollover IRA for his or her share of the funds. The transfer from the plan participant to the alternate payee is not taxable – although there would be a tax consequence for an early withdrawal.

Several issues can arise when dividing a defined contribution fund. For example, an employer may make contributions into the fund for one tax year in the following year. If parties are dividing a fund in a divorce, they need to consider any contributions an employer might owe.

Another issue is the appreciation or depreciation of a defined contribution fund after the date set for dividing the fund. For example, if a 401(k) contains $40,000 and you and your spouse agree to divide that fund equally, you should not simply agree to give or take $20,000 as a one-half share. The 401(k) will likely either appreciate or depreciate before the QDRO can be prepared, signed and implemented. Any agreement must clearly state what will happen to appreciation or depreciation of that fund in the interim period. Likewise, any request to the court to divide a fund must include a request that the appreciation or depreciation of the fund be made a part of the court’s decision regarding the fund.

Dividing a Defined Benefit Plan

A defined benefit plan is more like a traditional pension that provides a set monthly payment at the time of retirement. The plan participant may or may not contribute to the plan. These plans often provide many benefits in addition to the monthly payment upon retirement. For example, they may provide a pre-retirement death benefit, a post-retirement death benefit, a single life annuity, a joint and survivor annuity, early retirement benefits, and more. Each plan has unique benefits and each plan has its own requirements for the preparation of a QDRO.

The benefits that are available (and the impact if those benefits are not preserved) to the alternate payee can be significant. More importantly, if the alternate payee does not specifically set forth the benefits he or she desires in a separation agreement or court order, the QDRO will not include them. For example, if the parties enter an agreement and the agreement is silent on the issue of a survivor benefit, the alternate payee cannot obtain a survivor benefit through the QDRO.

401Ks

Today, it is common for a large portion of a working person’s assets to be held in retirement funds. More often, we see those funds held in deferred compensation plans such as 401Ks, 403Bs, profit sharing, and other types of cash accounts. Division of those accounts is dictated by either a “simple qualified domestic relations order” or a “domestic relations order”, depending upon the type of fund. Assuming that each party will receive 50% of the marital share – which is common – this approach simply divides the marital portion of the account into two shares. The order goes to the plan, and the plan then segregates the funds and executes a rollover of the non-titled spouse’s funds, which generally go into a rollover IRA.

When dividing a defined contribution plan – such as a 401K, 403B, or other money account – the death of the titled spouse should not impact the rights of the non-titled spouse. We usually have an agreement that provides for the non-titled spouse to remain a beneficiary for their share of that fund until the date of division. At that time, another order provides for transfer of their share to them and out of the plan. Death of the titled spouse shouldn’t impact those rights.

Premarital Retirement Account

If you had a 401K or profit sharing plan prior to your marriage, the funds that were in that plan prior to the marriage remain your separate funds. In other words, that money will not be divided in the divorce. Sometimes, issues may arise around what happened to the portion that was premarital versus what has gone into the plan since the marriage. For example, if you had a sizeable sum invested in the plan, that sum may have appreciated in value. Then, if you put additional funds into your plan and those funds also appreciated, it may be necessary to hire an expert who can make the appropriate calculations and help determine what portion of the plan remains separate property and what portion is considered marital. Those experts can calculate specific amounts and furnish hard and fast totals that will assist in properly – and fairly – dividing your plan.

Dividing retirement accounts in New York during a divorce can be a complicated and frustrating matter. Let divorce Attorney Jean Mahserjian in Saratoga guide you through the process.  The Law Office of Mahserjian & Mahserjian-Ortiz, PLLC cares about your situation and wants to help.

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How can Jean M. Mahserjian, Esq. help you if you have QDRO case in New York?

If you have a Qualified Domestic Relations Order (QDRO) case in New York, Jean M. Mahserjian, Esq. is here to provide you with skilled legal assistance and support throughout the process. We understand that QDROs are a critical component of divorce and asset division, and we are committed to helping you navigate this complex area of family law. Here’s how our firm can assist you in your New York QDRO case:

Legal Experience

Jean M. Mahserjian, Esq. is a seasoned family law attorney with extensive experience in New York divorce proceedings, including the drafting and implementation of QDROs. With her in-depth knowledge of family law and QDRO regulations, she can guide you through the process while ensuring that your rights and interests are protected.

Customized Solutions

We understand that every divorce and QDRO case is unique. Our firm takes the time to understand your specific circumstances, financial goals, and concerns. We will work with you to create a QDRO that is tailored to your needs, ensuring that the division of retirement assets is equitable and fair.

Legal Documentation

Jean M. Mahserjian, Esq. will draft the QDRO on your behalf, ensuring that it complies with both New York state laws and federal regulations. We pay meticulous attention to detail to prevent any future issues or disputes regarding the distribution of retirement benefits.

Court Representation

Our firm can represent you in family court to obtain approval for the QDRO. We are well-versed in the legal processes and requirements involved in getting the court’s endorsement, making the procedure as smooth and efficient as possible.

Plan Administrator Coordination

Once the court approves the QDRO, we will work closely with the retirement plan’s administrator to ensure the proper implementation of the order. This includes communicating all necessary information and making sure the division of assets aligns with the QDRO’s terms.

Tax Considerations

We will also address any tax implications associated with the QDRO. Our goal is to minimize your tax burden and help you make informed decisions regarding the distribution of retirement benefits.

Post-Divorce Support

Our commitment to your well-being doesn’t end with the finalization of the QDRO. We are here to answer your questions, provide ongoing legal support, and assist with any issues that may arise in the future related to your QDRO.

Jean M. Mahserjian, Esq. and her dedicated team are committed to ensuring that your interests are protected and that the QDRO process is as stress-free as possible. We are here to guide you through the complexities of New York QDRO cases, providing personalized legal solutions that reflect your unique situation. With our knowledge, you can have confidence that your retirement benefits will be divided fairly and in accordance with the law. Contact us today to discuss your QDRO case and how we can assist you in achieving a fair and equitable resolution.