aupair

Thank you, Ed. That is exactly what my research, and instincts are telling me, and the same concerns I have. We were referred to an attorney who specializes in QDROs, and we are going to meet with him on March 12th, to make sure we fully understand. That said, I highly doubt this is something she would agree to. We did also want to have the attorney review the QDRO to find out if her ex-husband's threat of never retiring in order to prevent her from getting her share of the retirement, is something he could do successfully. Her divorce attorney believes there is a work around where she could still draw it, even if he does not retire. If so that would likely be proof that karma does exist. Sure, work forever, no sweat off anyone's back but yours. Thank you again, Ed.

That is in the works, but if this is totally a ridiculous request on his part, then there is probably zero need to even entertain it further, and instead simply answer "thanks but no, we'll be sticking with the original agreement". My mom lives on $800 a month, so if there is no way any smart person would trade a survivor benefit for a life insurance policy, then I probably don't need to spend a dime and can just decline and let him throw yet another temper tantrum. Further, this morning I spoke with her divorce attorney from ten years ago, in her eyes there is ZERO benefit to my mom, and her concern on top of that is that at some age he's uninsurable for life insurance. She said she's not a specialist in QDROs, thus is referring us to one, so an attorney has been consulted, one is being contacted, but it sounds like this is so out in left field we can probably just say nope, and move along... thus my posting. My mother has no money to spend, so why spend it if this will never be a "yes, do it" situation?

Over the past ten years I've been helping my disabled mom through a very ugly divorce. While it should be long over, her ex has now popped up and said that he would like her to give up her survivor benefit (he works for the USPS) and in it's place he would get a $25k life insurance policy on himself with her as the beneficary. I'm assuming this is not in her best interest in any way, and is full of loopholes, but I am trying to figure out as much as I can. I've looked it up and per the QDRO she's entitled to the "maximum survivor annuity benefit based on your Federal service". Though also states "the AP is awarded a former spouse survivor annuity under the Federal Employees Retirement System in the same amount as the AP has been receiving or would receive as her share of the P's retirement benefits under paragraph 6a" (she's entitled to 9.6% so he has noted that this pro-rata share would be 55% of $384 (9.6% of his monthly retirement benefit). Either way, I'm guessing it's better than a random life insurance policy? Any advice or feedback? Thank you SO very much.