(The following is a reprint of a pamphlet from the Pension Rights Center in Washington, D.C.)

Your Pension Rights at Divorce: What Women Need to Know (Revised Edition)

No woman going through a divorce should be without this invaluable book.

10 important facts you should know:

• 1. A pension earned during marriage is part of the marital property.
• 2. Your spouse may have more than one pension.
• 3. A pension actuary or accountant can estimate the value of the pension.
• 4. You may receive your share of the pension directly from the pension plan.
• 5. Ask the plan administrator what to include in the court order, divorce decree or property settlement so that the plan will pay you directly.
• 6. Your court order must be specific about the amount and when the payments are to start and stop.
• 7. You may trade off your share of the pension for another asset in the settlement.
• 8. Arrange for your pension share to be divided at the time of divorce. In most states, it is almost impossible and extremely expensive to get it after the divorce.
• 9. Ask what will happen if you remarry or if your ex-spouse dies.
• 10. Ask about social security benefits as a divorced spouse.

"Your Pension Rights at Divorce" provides easy to understand information about six federally regulated retirement systems:

• Social Security
• Private Pensions
• Federal Civil Service Retirement
• Military Retirement
• Railroad Retirement
• Foreign Service

and explains what you need to know about state divorce laws.

"Everyone going through divorce should read this invaluable book." -- Congresswoman Patricia Schroeder

"Dealing with my husband's pension divorce was like crawling into a dark hole -- I was truly illiterate on this subject and my lawyer wasn't much better. If I had this information before the divorce it might have prevented me from being financially devastated." -- Sharon Mondul, divorced wife, Illinois

"This is an important resource for both men and women who are coming out of a marriage. Establishing financial security is an essential step to building a life after divorce." -- Abigail Trafford, author of "Crazy Time: Surviving Divorce and Building a New Life"

"For women contemplating divorce, a 'highly focused and thorough discussion of pensions,' 'extremely valuable.'" -- The Washington Post

Author Anne E. Moss, a lawyer and nationally known expert on pension rights, was the Director of the Women's Pension Project at the Pension Rights Center. For nearly fifteen years, Ms. Moss has shared her expertise with the public in frequent radio and television appearances and in the popular press. She frequently testifies before Congress, provides technical assistance to women's organizations, and has played a critical role in bringing about reforms to strentghten women's rights to pension benefits. Ms. Moss has provided thousands of women with information about their pension rights. She wrote this book to answer the questions women most often ask at divorce. Ms. Moss is now in private practice in Washington, D.C.

The Pension Rights Center is a nonprofit public interest group organized in 1976 to educate the public about pension issues, protect and promote the pension interests of workers, retirees and their families, and develop solutions to the nation's retirement income problems.

Enclosed please find $_________ for _______ copies of Your Pension Rights at Divorce. Each copy is $23.95 (includes postage and handling). D.C. residents add $1.38 per copy sales tax.
Name: ___________________________________________________
Address: ________________________________________________
City: _______________________________ State: ____________
Zip: __________________________

I would like to contribute to the Center's work to protect the pension interests of workers, retirees and their families. Contributions are tax deductible.
___$5 ___$25 ___$50 ___$100 ___Other

Please make check or money order payable to the Pension Rights Center and mail to:
Pension Rights Center
918 16th Street, N.W.
Suite 704
Washington, D.C. 20006