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U.S. Military Retired Pay has so many rules. Contact Troyan to help to divide this asset in a divorce case. What is the 10/10 Rule and why does it matter? The Single Most Important Form for a Former Spouse Survivor Benefit. Form dd2293: Must be sent to DFAS with Order for the Division of Retired Pay. Form to Obtain Military Data in a Divorce. Howell v. Howell - What is the effect? Leave and Earnings Statement (LES) & How to Read it. Instructions to obtain U.S. Air Force Reserve Points Example of: U.S. Army Reserve Point Summary Form U.S. Navy: Qualifying Year towards Retirement - Explained Example of: U.S. Navy Reserve Point Summary Form

An important step in QDRO preparation is knowing the amount of the benefits. Visit our website to find pension calculators to help you. Provided as a courtesy by: Troyan & Associates, P.A. The QDROAttorney.com Firm Links to Benefit Calculators and Pension Estimates 3M Co. https://www.3m.com/3M/en_US/company-us/retirees/#Benefit-Information Alaska Retirement Management Board http://doa.alaska.gov/drb/retirement/ret-net-pay-estimator.html#.Wkgq-FSpnq0 Alcatel-Lucent https://www.lucentretirees.com/presentations/12%20-%20ALU%20Lump-Sum%20Offer.pdf American Airlines Inc. https://twu514.org/files/2011/05/UnderstandingYourPensionEstimatePPT4132011.pdf Arizona State Retirement System https://www.azasrs.gov/content/estimate-your-benefits AT&T Inc. http://blog.acadviser.com/understanding-your-att-pension-for-retirement Bank of America Corp https://www.merrilledge.com/retirement/personal-retirement-calculator Boeing Co. http://mycompanyretirementplan.com/how-to-choose-the-best-pension-option-for-boeing- retirees/ http://www.boeing.com/assets/pdf/companyoffices/empinfo/benefits/pension/spd/spd_114.pdf California Public Employees’ Retirement System https://www.calpers.ca.gov/page/active-members/retirement-benefits/service-disability retirement/retirement-estimate-calculator Caterpillar Inc. https://cache.hacontent.com/ybr/R516/02358_ybr_ybrfndt/downloads/SPDDB3VR.pdf CenturyLink Inc. https://www.centurylinkpension.ehr.com/ESS/Account/LogOn?ReturnUrl=%2fESS Chevron Corp. http://www.chevronretirees.org/BenefitsGroup/ChevronBenefits/chevron-pension-plan.aspx Chrysler Group LLC https://www.chryslerretirees.com/RetireeWeb/retirement Citigroup Inc. https://www.citibenefits.com/Savings-Pay/The-Citigroup-Pension-Plan City & County of San Francisco Employees’ Retirement System https://mysfers.org/about-sfers/sfers-pension-plan/ City of Los Angeles Department of Fire & Police Pensions https://www.lafpp.com/ Commonwealth of Pennsylvania State Employees’ Retirement System http://sers.pa.gov/About-OnlineCalculators.html Connecticut Retirement Plans & Trust Funds http://www.osc.ct.gov/empret/RetireCalculator2/Default.aspx?varcat=2%20%20%20%20 Delta Air Lines Inc. https://www.dalrc.org/delta-documents/delta-retirement-plan-social-security-offset-and-your pension-benefits/ Dow Chemical Co. https://www.dow.com/en-us/about-dow/our-company/friends/benefits/dow/pension Duke Energy https://www.duke-energy.com/community/retirees/duke-energy/benefits E. I. du Pont de http://www.retiree.dupont.com/content/dam/dupont Nemours & Co. Employees Retirement System of Texas http://www.prb.state.tx.us/resource-center/retirement-system-members/pension-benefit- estimator/ Exelon Corp. https://www.sec.gov/Archives/edgar/data/22606/000119312511030543/dex102.htm Exxon Mobil Corp. http://exxonmobilfamily.com/en/finance/pension/pension-plan-basics Federal Reserve Employee Benefits System https://www.federalreserve.gov/careers-benefits.htm Federal Retirement Thrift Investment Board https://www.tsp.gov/index.html https://www.opm.gov/retirement-services/my-annuity-and-benefits/thrift-savings-plan/ FedEx Corp. http://plantoday.van.fedex.com/ Ford Motor Co. https://www.uawford.org/diversity-inclusion-1 General Board of Pension & Health Benefits of the United Methodist Church https://www.benefitsaccess.org/login.aspx General Dynamics Corp. https://nb.fidelity.com/public/nb/GD/home General Electric https://www.ge.com/retirees Co. Honeywell International Inc. http://www.honsavingsplan.com/pension.html Illinois Municipal Retirement Fund https://www.imrf.org/en/members/inactive-members/tier-1-regular-retirement-benefits Illinois State Board of Investment https://www.isbinvestment.com/ Indiana Public Retirement System https://www.in.gov/inprs/2871.htm International Business Machines Corp. https://www.ibm.com/investor/services/proxy-pension-benefits.html Iowa Public Employees’ Retirement System https://www.ipers.org/members/estimate-your-benefits/asset-allocation-calculator Johnson & Johnson https://www.jnj.com/employees JPMorgan Chase & Co. https://chaseretcalculator.moneyguidepro.com/chase-online/calculators/retirement Kaiser Foundation Health Plan Inc. http://info.kaiserpermanente.org/html/deductibleplans/toolsandcalculators.html Kentucky Teachers’ Retirement System https://trs.ky.gov/WebEstimator/index.html Lockheed Martin https://www.lockheedmartin.com/us/employees/retirement/pension/resources.html Corp. Los Angeles County Employees’ Retirement https://www.lacera.com/benefits/Calculators/RetCalc/ Maryland State Retirement & Pension System http://www.sra.state.md.us/Participants/Members/Resources/Estimators/Default.aspx Massachusetts Pension Reserves Investment Management Board http://www.mass.gov/treasury/retirement/retirementestimator/estimate.html Massachusetts Teachers Retirement System https://mtrs.state.ma.us/members/retirement-benefit-estimator/ Merck & Co. Inc. https://www.merckconnections.com/docs/Salaried_Retirement-Plan.pdf Minnesota State Board of Investment https://www.msrs.state.mn.us/retirement-income-calculator Public Employees’ Retirement Association of Colorado https://www.copera.org/secure/calcs/CalcBenefit.jsp National Railroad Retirement Investment Trust https://rrb.gov/cal_rr_ann/Benefit_Information New Jersey Division of Investment https://www.nj.gov/treasury/pensions/pers-estimate.shtml New York City Retirement Systems https://www.nycers.org/calculator-tools New York State Common Retirement Fund https://nysosc9.osc.state.ny.us/product/benproj.nsf/BenProgFlashPage New York State Teachers’ Retirement System https://www.nystrs.org/Benefits/Service-Retirement North Carolina Retirement Systems https://orbit.myncretirement.com/Common/PublicCreateEstimate Northrop Grumman Corp. https://benefits.northropgrumman.com/us/en2/FinancialSecurity/Pension/Pages/default.aspx Ohio Public Employees Retirement System https://www.opers.org/members/traditional/features.shtml Oregon Public Employees Retirement Fund http://www.oregon.gov/pers/MEM/Pages/OPSRP-Overview.aspx Pennsylvania Public School Employees’ Retirement System http://www.psers.pa.gov/LeavingEmployment/Retirement%20Calculator/Documents/f151.pdf Pfizer Inc. https://www.pfizerplus.com/kb/pfizer_benefits.aspx PG&E Corp. http://www.mypgebenefits.com/financial-retirement.shtml# Prudential Financial Inc. https://www.prudential.com/personal/insights/tools/how-much-to-retire Public Employees’ Retirement System of Mississippi http://www.pers.state.ms.us/MemberServices/calculators/persestimator.html National Electrical Benefit Fund https://onlinebenefits.nebf.com/Participant/Login Public Employees’ Retirement System of Nevada https://www.nvpers.org/public/gbeEstimator/gbeEstimatorStart2015.jsp Public School and Education Employee Retirement Systems of Missouri https://wms.psrs-peers.org/OpenBenefitEstimate Raytheon Co. https://raytheon.benefitcenter.com Retirement Systems of Alabama http://calculator.rsa-al.gov/Calc1.asp Shell Oil Co. https://www.shell.us/careers/about-careers-at-shell South Carolina Public Employee Benefit Authority https://www.peba.sc.gov/benefit-estimate Florida FRS https://w ww.myfrs.com/calculators/RetirementPlan3.html State Farm Mutual Automobile Insurance Co. https://www.statefarm.com/simple-insights/retirement/calculators State of Michigan Retirement Systems http://www.michigan.gov/orsschools/0,4653,7-206-36504_36507-,00.html State of Wisconsin Investment Board https://etfonline.wi.gov/ETFCalculatorWeb/etf/internet/member/ETFretirementcalcinput.jsp State Teachers’ Retirement System of Ohio https://www.strsoh.org/resources/calculators/sr.html State Universities Retirement System of Illinois http://www.surs.com/benefit-estimator Teacher Retirement System of Texas https://www.trs.texas.gov/Pages/active_member_retirement_estimate_calculator.aspx https://tcta.org/node/13103-how_to_calculate_your_trs_benefits Teachers’ Retirement System of Georgia http://www.trsga.com/pension-calculator/calculator Teamsters Central States, Southeast & Southwest Areas Pension Fund https://mycentralstatespension.org/ Tennessee Consolidated Retirement System https://treasury.tn.gov/Retirement/Information-and-Resources/TCRS-Overview-and-Self- Service Texas County & Retirement System https://w ww.tcdrs.org/AboutUs/Pages/AModelRetirementPlan.aspx Texas Municipal Retirement System https://www.tmrs.org/down/seminar/2015/presentations_2015/TT_Retirement.pdf The World Bank https://w ww.worldbank.org/en/topic/pensions United Nations Joint Staff Pension Fund https://www .unsystem.org/content/retirement-age-age-mandatory-separation United Parcel Service Inc. BenefitConnect (ehr.com) United Technologies Corp. https://www.utcdecisionsupporttools.com/pdf/AFN_NonRep0415_r1.pdf University of California Retirement System http://ucnet.universityofcalifornia.edu/compensation-and-benefits/total-compensation- calculator.php Utah State Retirement Systems https://www.urs.org/calculators/Pages/RetirementCalculator.aspx Verizon Communications Inc. http://www.verizon.com/about/our-company/retiree-information Virginia Retirement System https://www.varetire.org/membercalculator/Estimate/index Washington State Investment Board https://drs.wealthmsi.com/annuity Wells Fargo & Co. https://myretirementplan.wellsfargo.com/mrp/plan/calculator Western Conference of Teamsters Pension Trust http://www.wctpension.org/participants/plan-summary/contribution-account-benefit Teachers’ Retirement System of the State of Illinois https://www.trsil.org/employers/faq/calculating-contributions .

Official Troyan QDRO Site: Original Troyan QDRO & Pension Evaluator Firm. Troyan & Associates, P.A (Now Located in Sarasota, FL) (formerly Troyan, Inc. - New Jersey) Our Experienced QDRO Attorney prepares all Qualified Domestic Relations Orders. Visit us: www.TroyanLaw.com or www.QDROAttorney.com Forms: Click to Email Forms To Us. Our most popular form. Form for: ERISA Plans (Examples: Coca-Cola, IBM, Boeing, Merck & Co., FedEx, General Motors) Form for: Individual Retirement Accounts ("IRA") Form for: Civil Service Retirement System, Federal Employees' Retirement System, Federal Thrift Savings Plan Examples: Postal Employee, FBI, TSA, Any U.S. Agency Form for: U.S. Military Regular Component U.S. Military Reserve Component Form for: State/Municipal Plans (Examples: City, State, Police, Fire, Teacher, Public Employee ) Form for: Pension Valuation / Present Cash Value Computation General QDRO Retainer.pdf

Union Pension QDROs, Rodney D. Troyan, Esq. Nation's Premier QDRO Attorney At Troyan & Associates, P.A.you can trust our experience providing reliable, professional and timely pension evaluations. Our firm’s actuary William M. Troyan has pioneered the pension evaluation field and become a leader in defined benefit and defined contribution plan pension valuations for marital dissolution actions and retiree verification calculations. Our goal is to provide answers to complex economic issues. Our firm's attorney Rodney D. Troyan , is available for legal matters related to pensions Our experience and capabilities include: • Serving a nationwide clientele in Pension Evaluation of defined benefit and defined contribution pension plans in both the public and private sectors. This firm prepares Pension Valuations in the United States and many foreign countries. • Most widely used at Troyan & Associates, P.A. for State and Federal Retirement Programs (see below for a sample of specific plans). • Calculations in Divorce Proceedings and Retirement Calculation Disputes. • Use of a comprehensive database developed by our firm provides our staff with current plan information. • Cited as an authority on pension evaluations and QDROs. • Our pension evaluations and QDROs are routinely accepted by the courts. • Troyan & Associates, P.A., routinely Court Appointed as Pension Valuation firm • Testimony available for pension evaluations and QDROs . • Call our Pension staff (877.443.4867 ) for premium nationwide assistance. Types of Pension and Retirement Plans Troyan & Associates, P.A. has served many individuals, families, mediators, mediation firms, and attorneys in the United States. Our depth and breadth of experience with all types of pension plans including: • Federal Civil Service • Military Retirement System • City, County, Federal, or State Retirement System Plans • Public Employees Retirement Systems • Civil Service Retirement System (CSRS) Plans • Federal Employees Retirement System (FERS) Plans • Teacher Retirement Systems • Judicial Retirement Systems • Police & Fire Retirement Systems • State Police Retirement Systems • Union Pension Funds • Union Annuity Funds • Railroad Retirement System Plans • Tax Deferred Annuities • Section 403(b) Plans • Section 457 Plans • Corporate Retirement Plans • ERISA Defined Benefit Plans ERISA Defined Contribution Plans (401k) • Thrift Savings Plans • Executive Compensation Plans • Non-Qualified Plans • Stock Options and Restricted Stock Plans • Performance Based Incentive Plans • Excess Benefit & SERPs • Collectively Bargained Plans • Railroad Retirement System A partial list of retirement systems, pension funds, pension and retirement plans we have evaluated for divorce and retirement purposes or prepared QDROs against: ALABAMA Local 91, Birmingham Local 119, Mobile Local 52, Montgomery Local 548, Montgomery Local 760, Sheffield Local 372, Tuscaloosa Gulf Coast Multi-State Pipe Trades Council, District Council No. 1 ALASKA Local 367, Anchorage Local 375, Fairbanks Local 262, Juneau ARIZONA Local 469, Phoenix / State of Arizona ARKANSAS Local 155, Little Rock CALIFORNIA Local 460, Bakersfield Local 761, Burbank Local 355, Burlingame Local 364, Colton Local 246, Fresno Local 78, Los Angeles Local 250, Los Angeles Local 345, Los Angeles Local 709, Los Angeles Local 159, Martinez Local 228, Marysville Local 62, Monterey-Santa Cruz Local 342, Oakland Local 398, Pomona Local 447, Sacramento Local 230, San Diego Local 38, San Francisco Local 483, San Francisco Local 393, San Jose Local 403, San Luis Obispo Local 467, San Mateo Local 582, Santa Ana Local 114, Santa Barbara Local 442, Stockton Local 343, Vallejo-Napa Local 484, Ventura California State Pipe Trades Council S. California Pipe Trades District Council No. 16 COLORADO Local 58, Colorado Springs Local 3, Denver Local 208, Denver Local 145, Grand Junction Rocky Mountain Pipe Trades District Council No. 5 CONNECTICUT Local 777, State of Connecticut New England States Pipe Trades DELAWARE Local 74, Wilmington / State of Delaware DISTRICT OF COLUMBIA Local 5, Washington, DC Local 602, Washington, DC FLORIDA Local 719, Broward County Local 295, Daytona Beach Local 234, Jacksonville Local 519, Miami Local 725, Miami Local 803, Orlando Local 821, State of Florida Local 123, Tampa Local 630, West Palm Beach Florida Pipe Trades Council Gulf Coast Multi-State Pipe Trades Council, District Council No. 1 GEORGIA Local 72, Atlanta Local 150, Augusta Local 177, Brunswick Local 473, Jessup Local 188, Savannah HAWAII Local 675, Honolulu Local 811, Pearl Harbor Navy Yard IDAHO Local 296, Boise Local 648, Pocatello ILLINOIS Local 553, Alton Local 101, Belleville Local 99, Bloomington Local 160, Carbondale Local 653, Centralia Local 149, Champaign Local 130, Chicago Local 281, Chicago Local 597, Chicago Local 360, East St. Louis Local 439, East St. Louis Local 551, Herrin Local 63, Peoria Local 353, Peoria Local 25, Rock Island Local 23, Rockford Local 137, Springfield Illinois State Pipe Trades INDIANA Local 136, Evansville Local 166, Fort Wayne Local 210, Hobart Local 440, Indianapolis Local 172, South Bend Local 157, Terre Haute Indiana State Pipe Trades IOWA Local 125, Cedar Rapids Local 33, Des Moines MINK (Missouri, Iowa, Nebraska, Kansas) Pipe Trades KANSAS Local 441, Wichita / State of Kansas MINK (Missouri, Iowa, Nebraska, Kansas) Pipe Trades KENTUCKY Local 248, Ashland Local 452, Lexington Local 502, Louisville Local 633, Owensboro Local 184, Paducah Kentucky Pipe Trades LOUISIANA Local 247, Alexandria Local 198, Baton Rouge Local 60, New Orleans Local 141, Shreveport South Central Pipe Trades MAINE Local 716, State of Maine New England States Pipe Trades MARYLAND Local 486, Baltimore Local 669, Columbia / Road Sprinkler Fitters Local 489, Cumberland Maryland State Pipe Trades MASSACHUSETTS Local 12, Boston Local 537, Boston Local 550, Boston Local 104, Springfield Local 4, Worcester New England States Pipe Trades MICHIGAN Local 190, Ann Arbor Local 98, Detroit Local 636, Detroit Local 704, Detroit Local 370, Flint Local 357, Kalamazoo Local 333, Lansing Local 671, Monroe Local 85, Saginaw Local 111, Upper Peninsula of Michigan Local 174, West Michigan MINNESOTA Local 11, Duluth Local 589, Hibbing Local 15, Minneapolis Local 340, Minneapolis Local 417, Minneapolis Local 539, Minneapolis Local 6, Rochester Local 34, St. Paul Local 455, St. Paul Minnesota Pipe Trades MISSISSIPPI Local 568, Gulfport Local 436, Pascagoula Local 619, Vicksburg Gulf Coast Multi-State Pipe Trades Council, District Council No. 1 South Central Pipe Trades MISSOURI Local 8, Kansas City Local 314, Kansas City Local 533, Kansas City Local 781, Kansas City Local 178, Springfield Local 45, St. Joseph Local 268, St. Louis Local 562, St. Louis MINK (Missouri, Iowa, Nebraska, Kansas) Pipe Trades MONTANA Local 30, Billings Local 41, Butte Local 459, Missoula NEBRASKA Local 16, Omaha Local 464, Omaha MINK (Missouri, Iowa, Nebraska, Kansas) Pipe Trades NEVADA Local 525, Las Vegas Local 350, Reno NEW HAMPSHIRE Local 131 Concord-Manchester Local 788, Portsmouth New England States Pipe Trades NEW JERSEY Local 9, Central New Jersey Local 274, Jersey City Local 855, Jersey City Local 24, Lodi Local 475, Newark Local 696, Newark Local 322, Southern New Jersey UA of New Jersey Air Conditioning & Refrigeration Division NEW MEXICO Local 412, Albuquerque / State of New Mexico South West Pipe Trades NEW YORK Local 7, Albany Local 112, Binghamton Local 22, Buffalo Local 773, Glens Falls Local 200, Nassau-Suffolk Local 638, New York City & Long Island Local 1, New York City Local 73, Oswego Local 21, Peekskill Local 13, Rochester Local 373, Rockland County Local 128, Schenectady Local 267, Syracuse New York State Pipe Trades NORTH CAROLINA Local 421, States of North Carolina and South Carolina NORTH DAKOTA Local 300, States of North Dakota and South Dakota OHIO Local 219, Akron Local 396, Boardman Local 495, Cambridge Local 94, Canton Local 392, Cincinnati Local 55, Cleveland Local 120, Cleveland Local 189, Columbus Local 162, Dayton Local 776, Lima Local 168, Marietta Local 42, Norwalk Local 577, Portsmouth Local 711, State of Ohio Local 50, Toledo Ohio State Association OKLAHOMA Local 344, Oklahoma City Local 430, Tulsa Local 798, Tulsa South West Pipe Trades OREGON Local 290, Portland / State of Oregon PENNSYLVANIA Local 520, Harrisburg Local 354, Latrobe Local 420, Philadelphia Local 690, Philadelphia Local 692, Philadelphia Local 27, Pittsburgh Local 449, Pittsburgh Local 542, Pittsburgh Local 600, Reading Local 524, Scranton RHODE ISLAND Local 51, Providence SOUTH CAROLINA Local 421, States of South Carolina and North Carolina TENNESSEE Local 43, Chattanooga Local 854, Henderson Local 538, Johnson City Local 102, Knoxville Local 17, Memphis Local 614, Memphis Local 572, Nashville Local 702, Nashville Local 718, Oak Ridge TEXAS Local 286, Austin Local 100, Dallas Local 146, Fort Worth Local 68, Houston Local 211, Houston Local 404, Northwest Texas Local 142, San Antonio Local 529, Waco South West Pipe Trades Gulf Coast Multi-State Pipe Trades Council, District Council No. 1 UTAH Local 140, Salt Lake City / State of Utah VERMONT Local 693, Barre / State of Vermont New England States Pipe Trades VIRGINIA Local 851, Hopewell Local 110, Norfolk Local 376, Norfolk Local 272, Portsmouth Local 477, Portsmouth Local 10, Richmond WASHINGTON Local 598, Pasco Local 32, Seattle Local 699, Seattle Local 44, Spokane Local 26, Western Washington Seattle Pipe Trades Washington State Association WEST VIRGINIA Local 625, Charleston Local 521, Huntington Local 152, Morgantown Local 565, Parkersburg Local 83, Wheeling West Virginia State Pipe Trades WISCONSIN Local 400, Appleton Local 434, Central & Western Wisconsin Local 75, Milwaukee Local 183, Milwaukee Local 601, Milwaukee Local 118, Racine Wisconsin Pipe Trades WYOMING Local 192, Cheyenne / State of Wyoming

Commonly asked questions. Troyan Law. QDRO Attorney Frequently Asked Questions Q. May a QDRO be entered AFTER Retirement? Our #1 most asked question. A. YES! A Qualified Domestic Relations Order can most certainly be entered (signed by a Judge and Qualified by the Plan) after the Participant Retires. Some limitations with regard to survivor benefits among others, may exist. Q. When do I need a pension evaluation? A. A pension evaluation is necessary when the settlement method is Immediate Offset. In this type of settlement the will be an immediate division of assets, pursuant to which the employee retains her of his full pension while the Former Spouse is given another asset of "equal" worth. Q. What is the difference between a Domestic Relations Order and a Qualified Domestic Relations Order? A . A Domestic Relations Order is issued by a court of competent jurisdiction and it assigns to an Alternate Payee all or a portion of the employee's retirement benefit. A Qualified Domestic Relations Order is the result of a Plan Administrator determining that the DRO is "qualified". Thus, adding the "Q" to the "DRO". The result is a "QDRO". Q. Is a QDRO necessary for a Former Spouse to receive her of his benefit award? A. Absent a QDRO a Plan may not make any distribution to a Former Spouse. With some exceptions. Q. Do Federal and State Retirement Systems require a QDRO? A. The process begins with a Court Order (Domestic Relations Order). For a Federal Plan the designation of the Order is: Court Order Acceptable for Processing For State and Municipal Plans the designation of the Order varies, however, it is not unusual for the Order to be designate: Qualified Domestic Relations Order or simply a Domestic Relations Order For Military Orders, the designation is "Military Order". Avoid use of the term "QDRO". Q. How soon after a Domestic Relations Order is "Qualified" can I begin to receive my court awarded benefit? The timing of distributions to an Alternate Payee depends on the type of plan. Qualified Defined Benefit Plan : It is strongly suggested that an Alternate Payee not begin to receive her of his award until the earlier of the employee's retirement or attaining Normal Retirement Age as such age is defined in the subject plan. Qualified Defined Contribution Plan : For most plans the employee's Earliest Retirement Age. However, many plans will make a distribution to an Alternate Payee as soon as administratively practicable subsequent to the qualification of the Domestic Relations Order. Q. My spouse is a Federal Employee. What is the maximum amount I can receive from a Court Order Acceptable for Processing? A. 100% of the retiree's "net annuity". Q. If my Final Judgment of Dissolution of Marriage did not mention a Joint and 50% Survivor Annuity, can a Domestic Relations Order award this important benefit to me? A. If an "executed court order" awards you a survivor annuity, in spite of the fact that such award is not mentioned in the Judgment, and further assuming the employee's attorney does not object, it is likely that this order will be obeyed and you will then be entitled to a Joint and Survivor Annuity benefit. Q. QDRO or a Beneficiary Designation, which one controls? A. Generally, the beneficiary designation will control over the QDRO. This presumption is based on the United States Supreme Court's decision in Kennedy v. Plan Adm'r for Dupont Sav. & Inv. Plan 555 U.S. 285 (2009)

Official Troyan QDRO Site: Original Troyan QDRO & Pension Evaluator Firm. Troyan & Associates, P.A (Now Located in Sarasota, FL) (formerly Troyan, Inc. - New Jersey) Our Experienced QDRO Attorney prepares all Qualified Domestic Relations Orders. Visit us: www.TroyanLaw.com or www.QDROAttorney.com 401(k) Plan with Pre-Marital Component Alimony & Child Support Arrearage from a QDRO Sample Form: Consent to Release Participant's Benefit Information. What is a Summary Plan Description ("SPD"). Stock Market Fluctuations and the consequences for QDROs. Who or what Qualifies as an Alternate Payee. QDRO Administration Fees. .

State of Vermont Retirement System - Member Direct First-time Enrollment Instructions McDermott v. McDermott - Coverture Fraction Case

Troyan Law has extensive experience. QDRO Attorney. Why Choose Troyan Experience Our firm has prepared over 155,000 Qualified Domestic Relations Orders (QDRO ). Prepared over 84,000 Pension Valuations Testified as an Expert Witness in twenty three states. Crafted Pension Plans for 100s of Employers Created Domestic Relations Order Guidelines as a Third Party Administrator for over 500 companies. Provided private consultations to State Court Judges, Federal Judges in U.S. District Courts and both large and small Law Firms. .

IRA Domestic Relations Order IRAs in divorce. Dividing an IRA with Pre-Marital Contributions Divide an IRA with Gains & Losses IRS IRA Rollover Chart

State Pension QDRO Acceptance Information Alabama : Retirement Systems of Alabama Allows court orders? No Alaska : Alaska Retirement System Allows court orders? Yes, a QDRO Arizona : Arizona Retirement System Allows court orders? Yes, a DRO Arkansas : Arkansas Retirement System Allows court orders? Yes, a QDRO California : California Public Employees Retirement System Allows court orders? Yes, a QDRO Colorado : Colorado Public Employees Retirement Association Allows court orders? Yes, a DRO Connecticut : Connecticut State Employees Retirement System Allows court orders? Yes, a DRO Connecticut: Teacher's Retirement Board Allows court orders? Yes, a DRO Delaware : Delaware Public Employee Retirement System Allows court orders? Yes, a QDRO District of Columbia : District of Columbia Retirement Board Allows court orders? Yes, a QDRO Florida : Florida Retirement System Allows court orders? Yes, a QDRO Georgia : Employees Retirement System of Georgia Allows court orders? No Georgia: Teachers Retirement System of Georgia Allows court orders? No Hawaii : State of Hawaii Employee Retirement System Allows court orders? No Idaho : Public Employee Retirement System of Idaho Allows court orders? Yes, and ADRO Indiana : Indiana Public Employees Retirement System Allows court orders? No Illinois : State Employees Retirement System of Illinois Allows court orders? Yes, a QILDRO Iowa : Iowa Public Employees Retirement System Allows court orders? Yes, a QDRO Kansas : Kansas Public Employees Retirement System Allows court orders? Yes, a QDRO Kentucky : Kentucky Retirement System Allows court orders (see note)? No Note: QDROs filed before July 14, 2000 will be honored) Louisiana : Louisiana State Employees Retirement System Allows court orders? Yes, type not specified Maine : Maine State Retirement System Allows court orders? Yes, a QDRO Maryland : State Retirement and Pension System of Maryland Allows court orders? Yes, a DRO Massachusetts : Massachusetts State Board of Retirement Allows court orders? Yes, a DRO Massachusetts Teachers Retirement System Allows court orders? Yes, a DRO Michigan : Michigan Office of Retirement Services Allows court orders? Yes, an EDRO Mississippi : Public Employees Retirement System of Mississippi Allows court orders? No Missouri : Missouri State Employees Retirement System Allows court orders? Yes, a DBO (Division of Benefits Order) Montana : Montana Public Employee Retirement Administration Allows court orders? Yes, a FLO (Family Law Order) Nebraska : Nebraska Public Employees Retirement System Allows court orders? Yes, a QDRO Nevada : Public Employees Retirement System of Nevada Allows court orders? Yes, a QDRO New Hampshire : New Hampshire Retirement System Allows court orders? Yes, a QDRO New Jersey : New Jersey Division of Pension and Benefits Allows court orders? Yes, a DRO New Mexico : Public Employees Retirement Association of New Mexico Allows court orders? Yes, Order Dividing Pension Benefits New York : New York State and Local Retirement System Allows court orders? Yes, a DRO North Carolina : North Carolina Retirement Systems Division Allows court orders? Yes, a QDRO North Dakota : North Dakota Public Employees Retirement System Allows court orders? Yes, a QDRO Ohio : Ohio Public Employees Retirement System Allows court orders? Yes, a DOPO (Division of Property Order) Oklahoma : Oklahoma Public Employees Retirement System Allows court orders? Yes, a QDRO Oregon : Oregon Public Employees Retirement System Allows court orders? Yes, a DRO Pennsylvania : Pennsylvania State Employees Retirement System Allows court orders? Yes, a DRO Rhode Island : Employees Retirement System of Rhode Island Allows court orders? Yes, a QDRO South Carolina : South Carolina Retirement System Allows court orders? Yes, a QDRO South Dakota : South Dakota Retirement System Allows court orders? Yes, a QDRO Tennessee : Tennessee Consolidated Retirement System Allows court orders? No Texas : Employees Retirement System of Texas Allows court orders? Yes, an ERS QDRO Utah : Utah Retirement System Allows court orders? Yes, a DRO Vermont : Vermont State Retirement System Allows court orders? Yes, a DRO Virginia : Virginia Retirement System Allows court orders? Yes, an ADRO Washington : Washington State Retirement Systems Allows court orders? Yes, a Property Division Order West Virginia : West Virginia Consolidated Public Retirement Board Allows court orders? Yes, a QDRO Minnesota : Minnesota State Retirement System Allows court orders? Yes, a DRO Wisconsin : Wisconsin Department of Employee Trust Funds Allows court orders? Yes, a QDRO Wyoming : Wyoming Retirement System Allows court orders? Yes, a QDRO