QILDRO.com Dividing Illinois Retirement Right

Welcome. All Your QILDRO Questions Will Be Answered.

An attorney experienced in QILDRO's offering reasonable flat rates for the whole process, from drafting the QILDRO through providing the Plan Administrator with a certified copy, including appearing in court. Allow me to precisely maneuver the steps to secure for you this very important asset. Most cases are completed for a flat-attorney fee of $950.


Please read-on to learn more about me and the process, and feel free to contact me with any questions.

Attorneys and parties alike, are often stumped with what to do about diving Illinois Public Pensions. These pensions include Chicago and other municipal Police Pension Funds and Firefighters' Pension Funds, Illinois Municipal Retirement Fund (IMRF), Chicago and other Municipal Employees' Annuity and Benefit Funds, Cook and other County Employees' Annuity and Benefit Funds, Forest Preserve District Employees' Annuity and Benefit Fund, Chicago and other cities' Laborers' and Retirement Board Employees' Annuity and Benefit Funds, State Employees' Retirement System of Illinois (SRS), State Universities Retirement System (SURS), Teachers' Retirement System of Illinois (TRS), Chicago Teachers Pension Funds (CTPF) and other plans (yes, there are more). While generally simple to divide, the division must be done in accordance with Illinois statute, and as with many things, it is simple to those that know, and there are precious few that do. As I have been receiving calls from attorneys throughout the United States with questions about the QILDRO (often written misspelled as "QUILDRO"), I decided to create this website. I aim to be available to answer any questions before a Judgment for Dissolution of Marriage of Divorce Decree is entered, because once it is correctly entered, I can carryout the rest of the work for an afforable flat fee.

What Could Go Wrong? Timing, Location and Amount.

The main concern in case of dividing an Illinois pension plan pursuant to a divorce, is to get the QILDRO entered quickly. Waiting for entry of the QILDRO invites interceding events that can affect the interests of the Alternate Payee (party intended to get a portion of the ex-spouse's pension): the Participant can die or withdraw funds. Second, if the parties live outside of Illinois when they get divorced, the other State's courts cannot enter a valid QILDRO, and Illinois Judges have at times refused to enter a QILDRO for the former Illinosi residents, arguing the Illinois has no personal jurisdiction over them. This connects to the third point, setting the right amount. If a pension plan can't be divided, what is a fair offset amount? Even if the plan can be divided, a QILDRO can be set-up to pay a specific amount, a specific percentage of the total or a percentage (typically 50%) of the marital portion, which is calculated using a formula (sometimes referred to as the "coverture" or "Hunt" formula, named after a seminal case on the division of pension benefits. Learn more using the links on the left and contact me early in the process.