FreeQDRO

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QDRO tools · NRS 125.155 / 286.6703

Retirement division

Estimate the community and alternate-payee share of a retirement benefit and see which order applies - QDRO, PERS DRO, military order, COAP, or IRA transfer.

Plan type
Monthly benefit
Service months during marriage
Total service months
Alternate payee share (%)

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The free QDRO Preparer assembles the actual draft order - PERS, QDRO, military, federal, TSP, or IRA - from each plan’s official model language, with every choice explained in plain English and left to you. Counsel and in-proper-person filers both supported. Nothing you type is stored.

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The free QDRO Scrutinizer reviews a draft order you or the other side prepared and gives you a plain-language checklist of what may be missing - required elements, plan-type mismatches, and survivor and valuation gaps. Reviewed entirely in your browser; nothing is uploaded.

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Common questions

QDROs & retirement division, answered

What is a QDRO?
A Qualified Domestic Relations Order is the federal-law mechanism (29 U.S.C. 1056(d)(3)) that lets a private retirement plan pay part of a participant's benefit to a former spouse. Government and military plans use their own equivalents - a PERS DRO, a USFSPA order, or a federal COAP - not a QDRO.
How is a pension divided in a Nevada divorce?
By the community-property time rule: the community share is the pension multiplied by the coverture fraction (service during the marriage divided by total service). The alternate payee typically receives half of that (NRS 125.150; Gemma v. Gemma; Fondi v. Fondi).
Does Nevada PERS use a QDRO?
No. Nevada PERS is a governmental plan exempt from ERISA; it is divided by a PERS-compliant DRO under NRS 286.6703. And NRS 125.155 requires the value to be frozen at divorce - excluding post-divorce raises and promotions - unlike the wait-and-see rule that governs private pensions.
Are survivor benefits automatic when a pension is divided?
No. In Nevada survivor benefits are not automatic - they must be expressly set forth in the order (Henson v. Henson; NRS 125.155(3)). Omitting survivor coverage is the single most common and costly drafting failure.

Informational only, not legal advice. A retirement-division order must be reviewed by counsel and accepted by the plan administrator. Consult a licensed Nevada attorney.