Division of IMRF Pension Benefits in Divorce: QILDROs

The information on this page applies to participants of all IMRF plans.

Information found on the Division of Pension Benefits in a Divorce page may be of interest to you and to your attorney when you are dissolving your marriage.You will find information about IMRF benefits, contributions, pension value, etc.

IMRF benefits may be a marital asset. Your personal attorney should advise you whether a former spouse is entitled to any of your IMRF benefits. IMRF cannot provide legal advice.

IMRF may only pay benefits to a former spouse according to a Qualified Illinois Domestic Relations Order (QILDRO). IMRF cannot pay a former spouse based on a QDRO, judgment for dissolution of marriage, or a marital settlement agreement.

Even if IMRF has a valid QILDRO on file, payment cannot be accelerated to pay a former spouse before the IMRF member is paid. An alternate payee will only receive payment if and when the IMRF member receives payment—in other words, the member must apply for and receive a benefit before any payment can be made to the alternate payee.

An alternate payee will never receive more or different benefits than the IMRF member is eligible to receive.

In addition to the information contained on the page, the following links provide you and your attorney with instructions, as well as a sample format for a Qualified Illinois Domestic Relations Order (QILDRO).

In order to view the material listed below, you need a software application called Adobe Reader.

QILDRO forms

The forms available on this page are also enterable PDF files. This means that you can put your cursor in the place where text needs to be typed in, and then type in that space. You can then print the file, although you cannot save it.

• QILDRO form for a Qualified Illinois Domestic Relations Orders (QILDRO)
• QILDRO Court Calculation Order form
• QILDRO consent form only (required for members who joined IMRF before July 1, 1999)

QILDRO Instructional Materials

• Qualified Illinois Domestic Court Orders booklet, which provides forms, instructions, and general information about QILDROs
• Frequently Asked Questions about QILDROS
• QILDRO Checklist for Attorneys
• Filing a QILDRO Timeline
• Implementing a QILDRO Timeline