If you are thinking about dissolving your marriage or civil union, you should know how your IMRF pension might be affected.
Surviving Spouse Benefits Persist After Divorce
If your current spouse was eligible for a surviving spouse pension on the day you retired that person will remain the beneficiary of your IMRF surviving spouse benefits for life, even if you are divorced.
IMRF Requires a QILDRO to Pay Benefits
IMRF may only pay benefits to a former spouse according to a Qualified Illinois Domestic Relations Order (QILDRO). QILDROs are different from, and should not be confused with, Qualified Domestic Relations Orders, or QDROs. State law does not allow public retirement systems like IMRF to honor QDROs.
Talk With Your Attorney
You should ask your personal attorney whether a former spouse is entitled to any of your IMRF benefits. IMRF cannot provide legal advice.
Resources for Attorneys
The IMRF booklet on QILDROs can serve as a valuable resource for attorneys guiding an IMRF member through divorce.