QDROs on IRAs and required Letters of Instruction

[Guest QDROs]

I prepare QDROs. Lately I've had a rash of IRA cases in which the IRA Custodian requires a "QDRO" and requires that the Account Holder sign a Letter of Instruction (which essentially recaps the "QDRO."). In addition, the Custodians usually require that the Account Holder obtain a medallion guarantee on his signature.

I know it sound like a tivial problem, but what about the case where the Account Holder is no longer around?

Has anyone successfully challenged the IRA Custodian on the LOI requirement? What techniques are you using to effect the transfer of funds for the IRAs?

[Guest mjb]

have you reviewed the IRA agreement to see what is required to divide the IRA in the event of divorce? why not post the requirement w/ your Q.

[J Simmons]

See answer posted on

http://benefitslink.com/boards/index.php?s...c=35627&hl=