Connecticut QDRO Attorney for Retirement Plan Orders | CTQDROs
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We work 9am-5pm, Monday to Thursday, and 9am to 4pm on Friday.  To allow our staff to work without interruption, the office is not open to clients.  If you have a question about your file, please call.

Documents can be dropped off in our mailbox on Meadow Street.

Welcome to ctqdros.com

Experienced – Knowledgeable – Efficient

The Law Office of Elizabeth McMahon/ CTQDROs is a boutique law firm that focuses on the preparation of Qualified Domestic Relations Orders (QDROs).  We are neutral when we handle a file, regardless of which party may have first contacted us.  We work with both parties and, when needed, their attorneys to draft an order that conforms to the judgment of divorce or legal separation.

Our services include drafting the QDRO, obtaining plan administrator pre-approval, securing the parties’ signatures on the order, submitting it to the court, and serving the court-certified QDRO on the retirement plan administrator.

Attorney McMahon has been preparing QDROs since the early 1990s, filing in excess of 7500 individual QDROs from 2012 to 2017 alone.  She often serves as an expert witness, and lectures regularly on the subject for the Connecticut and local bar associations, and for other groups sponsoring continuing legal education.

CTQDROs boasts a highly accomplished professional staff drawing on a combined near-century of QDRO experience. We have one goal: to make the QDRO process as efficient and effortless for you as possible.

About CTQDROs

The Law Office of Elizabeth McMahon / CTQDROs is a boutique law firm specializing exclusively in the preparation of Qualified Domestic Relations Orders (QDROs).

We operate as a neutral third party in every file we handle, regardless of which spouse or attorney retained our services. Our mission is to collaborate with both parties and their legal counsel to ensure every order conforms to the judgment of divorce or legal separation.

Our Comprehensive Services

We handle the entire QDRO lifecycle to ensure accuracy and plan acceptance:

Drafting: Creating the custom QDRO based on your specific settlement.

 

Pre-Approval: Obtaining preliminary approval from the Retirement Plan Administrator.

 

Execution: Securing all necessary signatures from the parties involved.

 

Court Filing: Submitting the finalized order to the court for a judge’s signature.

 

Service: Serving the court-certified QDRO to the plan administrator for implementation.

Why Choose CTQDROs?

Expertise: Attorney McMahon is a recognized authority in retirement law, frequently serving as an expert witness and lecturing for the Connecticut Bar Association and other legal education groups.

 

Combined Experience: Our highly accomplished professional staff brings over 96 years of combined QDRO experience to your case.

 

Efficiency: We have one singular goal: to make the QDRO process as efficient and effortless for the parties as possible.

To Get Started

Send us:
Judgment of Divorce or Legal Separation: We prefer a complete copy of the final court order, but if information is sensitive, you can send the first and last pages, and the specific section (often titled “Retirement Assets” or “Pension Division”) that outlines how the retirement assets are to be split.

 

Financial Affidavits: If the agreement requires the equalization of multiple retirement assets, please send us both parties’ financial affidavits (or at least the page that lists the retirement assets)

 

Contact Information: email and mailing address
Send to:
Email
info@ctqdros.com

 

Fax
203-483-0897

 

Law Office of Elizabeth L. McMahon/ CTQDROs

206 Meadow St. Branford, CT (06405)

FREQUENTLY ASKED QUESTIONS

Q.1. What is a QDRO?

Qualified Domestic Relations Order (QDRO) is a specific court order, separate from your divorce decree, required to divide employer-sponsored retirement plans.

  • Legal Compliance: It meets requirements of the federal tax code and the Employee Retirement Income Security Act (ERISA).
  • Tax Protection: It ensures that the distribution is taxed to the recipient (the “Alternate Payee”) rather than the original plan participant.

Q.2. How much does it cost, and what does the fee cover?

We operate on a flat-fee basis:

Service Fee
First QDRO $880
Subsequent Orders $680 each

What the fee covers:

  • Reviewing the Decree
  • Drafting the QDRO
  • Submitting the order for plan administrator pre-approval
  • Circulating the order for signatures
  • Filing with the court and serving the certified copy to the plan administrator

Q.3. Are there any extra fees?

  • Additional fees may apply if our office is required to perform equalization calculations for multiple plans. We will provide a quote for your approval before proceeding with any additional work.
  • Some plan administrators charge their own internal fees to review and implement QDROs. These fees are the responsibility of the parties and are usually debited from the retirement account itself.

Q.4. My employer has model QDROs. Why don’t I just use those?

Model orders are provided for the Plan Administrator’s convenience and are not a substitute for professional legal advice. They may not include specific options better suited to your particular situation.

Q.5. Why should I pay someone other than my attorney to prepare the QDRO?

Neutrality: There are many issues relating to the division of retirement assets that are not addressed in the separation agreement.  If the attorney drafting the QDRO represents one party, they might unconsciously draft the order in a way that favors their client.

Transparency: We take pains to draft a neutral order that clearly addresses all of the issues. Our QDROs will clearly state whether features such as cost of living adjustments (for a traditional pension) or investment experience (for a defined contribution plan) are included or excluded.  If those features are not specified, many plans have a default interpretation that might not be anticipated.

Expertise and Efficiency: My office deals exclusively with QDROs, which means we  can prepare the QDRO more quickly and efficiently than most other lawyers. It can be time consuming and difficult to follow up with the plan administrators during the QDRO drafting and pre-approval process.  QDROs may be relegated to the bottom of the attorney’s pile because the case has already gone to judgment, and the attorney has other pressing files to deal with.

Q.6. Do we have to come to your office?

To keep costs low and processes efficient, we utilize a modern, remote workflow:

  • No In-Person Meetings: We work directly with both parties via email or US mail.
  • Neutrality: We do not represent either party individually. If we have questions regarding the interpretation of your judgment, we address both parties simultaneously.
  • No Attorney-Client Privilege: Information provided to our firm is not confidential between parties; communication with one party is generally shared with the other.

Q.7. What is the QDRO Process?

  1. Information Gathering: Within two weeks of starting, we will review your decree and advise you on the specific documents and data needed.
  2. Drafting & Pre-Approval: Once payment, personal data, and requested information are received, we draft the QDRO and submit it to the Plan Administrator for review.
    • Timeline: We aim to draft the QDRO within two weeks of receiving payment, and all requested information
    • Plan administrators typically take 6–8 weeks to respond.
  3. Signatures: Once pre-approved, we send the document to the Plan Participant first, then the Former Spouse to review and sign. Original signatures are required by the court.
  4. Court Entry & Service: After the judge signs the order, we serve a certified copy to the Plan Administrator.
  5. File Closure: Once the plan is served and accepted by the Plan Administrator, our role is complete. You will then work directly with the plan administrator to arrange your payments.
  1. File Retention: It is our policy to shred the file shortly after completion. We will keep an electronic copy, but as technologies change we cannot guarantee the file will be accessible.

Q.8. Does your office actually distribute the assigned benefit?

Our office only drafts the court order. We do not have access to your accounts or handle the actual movement of money. You must provide distribution instructions (such as where to send a lump sum) directly to the Plan Administrator.

Q.9. Is there any rush to complete the QDRO?

Yes! The former spouse could lose the entire benefit if the employee retires or dies before the QDRO is served on the plan administrator.  Other concerns are:

  • Narrowed options: If the employee retires before the QDRO is entered by the court, the former spouse will be stuck with whatever payment option the employee selects at retirement. It will not be possible to carve out the benefit or to provide the former spouse with survivorship options.
  • Difficulty determining the award: If too much time passes, the plan administrator may not be able to determine the benefit accrued as of the date of divorce, or be able to calculate investment earnings and losses. Plans are changing record keepers with greater frequency. New record keepers do not have access to individual account balances or investment information prior to taking over.

Q.10. What if we disagree on the terms in our decree?

If you have any questions about how the judgment should be interpreted in relation to the QDRO, you should consult with your matrimonial lawyer. We are happy to explain our interpretation and thinking, either to you directly or to your matrimonial attorney, but we cannot advocate for either party to the extent that disagreements arise concerning the manner in which the QDRO should be drafted or implemented.

Q.11. What else should I know?

Sometimes, the retirement plan is not precisely identified in the judgment.  It is your responsibility to ensure that we are following the correct plan.

It is also your responsibility to review the QDRO and to resolve any questions before you sign. We will do our best to answer any questions you may have about the terms contained in the QDRO. However, each of you is encouraged to consult with your lawyer if you have any uncertainty about how the judgment should be interpreted.