"Specializing In The Drafting of Various Qualified Domestic Relations Orders"
>>>> Serving All 50 States <<<<
EASY QDRO Answers Your Most Frequently Asked Questions:
("QDRO" is pronounced as "Quadro" )
1. Why should I use Easy QDRO?
Answer: You’ll have personalized attention from a dedicated specialist to your particular situation. You’ll get a quality product, at a very reasonable fixed fee and you’re guaranteed approval. You probably should just skip to number (6) but, if you want more details:
That’s really the bottom line and skipping to number (6) may be sounding good by now; but, if you insist on more technical answers to more questions - read on.
2. What is a "QDRO" and why do I need it?
Answer: A “QDRO” ( pronounced - Quadro) is an acronym for Qualified Domestic Relations Order. This is a special Order that is used to get the Participant’s Retirement Plan to pay your portion of the benefits that you deserve directly to you. It is usually called a "QDRO" if it pertains to a retirement plan that falls under the Employee Retirement Income Security Act of 1974 (ERISA), which protected retirement plan assets from creditors. A retirement plan will not divide benefits or provide for payments without an approved "QDRO".
3. What is a Division Order and why do I need it?
Answer: Think of a Division Order as serving the same purpose as a "QDRO", but, being required by a Retirement Plan that doesn’t fall under ERISA. Most Federal, Civil Service, Thrift Savings Plans and some or Private Plans may fall into this category. Federal Plans require a special type of order called a Court Order Acceptable for Processing (COAP) and won’t divide benefits or provide payments without an approved "COAP".
4. Why isn’t my Final Judgment which states that I get the benefit good enough?
Answer: Because each of these plans fall under different laws and are administered by different depts. Therefore, each plan has to be worded specifically to be acceptable under the controlling Federal Law, Code, or Regulation as well as under the state law which gave you the initial rights or entitlement to such a division of benefits. And, yes - it also has so meet the guidelines for the administrator of the plan. To meet the stringent requirements for proper construction of a "QDRO" or "COAP" one could need more than 20 different specific provisions.
5. Why didn’t my attorney draft the order as part of my divorce?
Answer: There could be numerous reasons. You could ask them. But, I suspect that they would tell you that while they may be the best at what they do, that the convergence of all the federal laws, regulations and plan requirements here makes this so involved that you would save more time and money, using my service, than if they had to research all the complexities, then draft, the order and obtain approval of it.
Or, they may shorten that answer and just tell you, “It’s in your best interest for us to out source this job to a specialist like Mr. Gardner.”
After all, it was after many years of having attorneys ask me to draft these type orders for them, that I decided to specialize in this field because of the specialized knowledge needed to properly prepare such an order. Attorneys still utilize my service for drafting, and, then, they submit the order for their client and forward it to the Plan Administrator for implementation.
6. Ok. What’s the procedure and how do I get started?
Answer: Give Mr. Gardner a call at (904) 264 - 4005 for a FREE CONSULTATION. He will guide you through the process as it pertains to your situation. Remember, there is no charge until you retain our services, and, then you only have the one fixed fee that covers everything including any followup consultations that may be needed with you, your attorney or, when needed, with the Plan Administrator.
EASY QDRO. INFO
555 BLANDING BLVD., SUITE F
ORANGE PARK, FLORIDA 32073
PHONE: 904 - 264 - 4005
Email Us at: EasyQdros@Aol.Com
