Why should I get a QDRO now rather than wait until my former spouse retires or I need the money?
Delaying in obtaining a QDRO may result in losing valuable rights. You also run the risk of forfeiting all of the benefits which were awarded to you in your divorce. Your rights may be lost if, before your QDRO is completed, your former spouse retires, becomes disabled, remarries, dies, quits or is fired, withdraws funds from the plan before retirement, or takes out a loan from the plan. Ideally, the process of obtaining a QDRO should be completed early in the divorce process and occur at the same time as the parties negotiate the division of marital property, maintenance, child support and other divorce-related issues. However, if the QDRO is not completed before the divorce, it should be completed soon thereafter. A QDRO may also be obtained anytime for child or spousal support.