Model A and Model B QDRO formulas for all five plan types, plus eight planning tools for the full case analysis workflow.
Both are legally recognized. Your client's situation and negotiation strategy determine which model applies.
The non-member's benefit is calculated using the salary at the date of dissolution — locking in the separation-date value.
NonMember = (salary_dissolution / 12)
× (scm / 2)
× nonMemberFactorBoth parties' benefits are calculated using the salary at the valuation date — the non-member shares in post-separation salary growth.
NonMember = (salary_valuation / 12)
× (scm / 2)
× memberFactorModel A and Model B QDRO formulas for all five plan types.
Final Compensation × Years of Service × Benefit Factor across all tiers.
Community property fraction from hire, marriage, separation, and retirement dates.
Discount the future benefit stream to a lump-sum present value.
Compare the QDRO share against an equivalent cash or property offset.
Side-by-side monthly benefit at ages 52 through 65.
Monthly reduction and cost of Option 1 or Option 2 continuance.
Year-by-year benefit growth under a given COLA rate.
Per-party asset totals and equitability gap from 50/50.