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QUALIFIED DOMESTIC RELATIONS ORDERS (QDRO)
401k and other retirement plans that are employee-sponsored and subject to court-ordered or mediated division
Not needed for IRAs
Not needed for deferred annuities
Whoever owns the plan is the Participant and benefits under the plan can only be paid to that person unless directed to do so by a QDRO
A QDRO directs the plan to pay specified benefits to the other spouse or Alternate Payee
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