Plan types
Every retirement is divided differently
The right court order depends entirely on the kind of plan. A private 401(k), a Nevada PERS pension, a military retirement, and a federal annuity each follow different rules - and use a different order. Pick the plan you’re dividing to see how it works, then draft it free.
Nevada PERS
If you or your spouse is a Nevada public employee, PERS needs its own special court order - and we help you draft it, free.
Military Retirement
If a spouse served in the uniformed services, their retired pay can be divided by court order under federal law - and FreeQDRO drafts the order the military accepts, free.
ERISA / Private Plans
If your spouse's retirement is with a private company, a court order called a QDRO splits it - and we draft and review that order for you, free.
FERS (Federal)
A federal FERS pension is split with a Court Order Acceptable for Processing under 5 CFR part 838, and we prepare it for you free.
CSRS (Federal)
A CSRS pension is split with a Court Order Acceptable for Processing (COAP), not a QDRO - and FreeQDRO drafts one for you at no cost.
IRAs
An IRA is split by a tax-free transfer incident to divorce - not by a QDRO - and we help you draft the order language for free.
Dividing another state’s public pension? FreeQDRO currently supports Nevada and federal plans. Support for additional states is on the way.