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You were divorced 24 years ago. It sounds like there is no QDRO with respect to either of your plan interests. What is it that makes you think that you need a QDRO or that a court would even entertain the notion of entering a QDRO 24 years after the fact? You may have a property settlement or divorce decree that says you must pay x% of your pensions to your ex-spouse, but that doesn't mean that you need or can get a QDRO. Maybe that was done intentionally so that the tax liability on your full pensions would be your tax liability (i.e., perhaps your lawyer got snookered by your spouse's lawyer). What you do need at this time is personal legal advice, not from a message board.