Thank you QDROphile, I could not find anything stating age related distributions for the QDRO she assumed it followed the general rule of age 73 as the separate owners,o I am guessing her age does not matter, they sent her a big check last year for RMD and she is not 73, though HE wasnot forced to do this and has been taking them for 15 years! Now 85 years old. They are recommending she roll into an IRA if she does not want to receive these now, should she have done this at the get go? Again Thank you