Yes, since a QDRO can only be done following a divorce, it is not part of the divorce process. Obtaining a QDRO can be an extensive, involved and complicated process which involves your spouse, your spouse’s attorney, the court and the plan administrator. If you are entitled to share in multiple retirement accounts or benefits, a separate QDRO is usually required for each account. As a result, the additional cost of obtaining a QDRO can be substantial. However, it is a necessary expense to secure your interest in these retirement benefits.
