Central States Pension Fund

Qualified Domestic Relations Order (QDRO)

A QDRO is a legal order resulting from a divorce or legal separation that gives the divorced spouse or other dependent, defined as an “alternate payee,” their share of an asset, such as a pension or retirement plan benefit.

The Fund does not write the QDRO. This must be done by you or your attorney. The QDRO must comply with the Plan’s procedures for administering a QDRO and must be entered by a court.

The Fund has specific procedures for administering a QDRO. To assist you or your attorney, the Fund has provided sample model language, which can be found in the chart below. As you will see, the language differs depending on whether or not you are currently receiving a Retirement Benefit.

Note: your spouse is also entitled to information about your accrued benefits, which the Plan must furnish upon written request. However, an ex-spouse will need a subpoena or your written authorization for the Fund to release the information.

Please choose one of the following that applies to your divorce or separation circumstance.

Central States Pension Fund
Attn: Domestic Relations Orders
P.O. Box 5109
Des Plaines, IL 60017-5109

Central States Pension Fund
Attn: Domestic Relations Orders
P.O. Box 5109
Des Plaines, IL 60017-5109

  • The Participant's future retirement benefit amount will be unaffected by a separation or divorce.
  • Please call 1-800-323-5000 for any other pension benefit inquiries.
  • The Participant's benefit amount will be unaffected by a separation or divorce. However, any Joint & Survivor Election filed at retirement is still effective and a court order is required to revoke any prior JSO assignment.

The Fund is Here to Help

To contact the Fund on QDRO related issues, you can either call, write, or email the Fund as follows:

MAIL: Any QDRO related inquiries may be mailed to:

Central States Pension Fund,
Attn: Domestic Relations Orders
P.O. Box 5109
Des Plaines, IL 60017-5109

EMAIL: The QDRO department at QDROmail@centralstates.org

TELEPHONE: The QDRO department at 1-800-323-2152 x3876.

For More Information

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FAQs

The Plan has an exemption to the Restricted Reemployment for those retirees who are at least age 65 and meet two requirements.

To qualify for the post-age 65 exemption, if you are at least age 65 you must satisfy two conditions:

(1) You must have been retired and receiving a pension benefit for at least 12 months, and

(2) You must not have worked in any "Restricted Reemployment" for at least 12 consecutive months immediately preceding age 65 (or if retirement date is after 65, 12 consecutive months immediately preceding the retirement date). 

For more information, refer to the Restricted Reemployment Rules chart.

 

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