ERSRI Model QDROs

See below for ERSRI Model QDROs that correspond to the benefit option you selected at retirement (or plan to select when you retire) and your employment type.

Note: There are certain provisions which must be included in the QDRO. In addition, there is certain language which should not be contained in the QDRO that the Plan, as a defined benefit public pension plan, would not be able to accommodate. For further information specific to your circumstances, please contact the Internal Legal Counsel for ERSRI at (401) 462-7616.

QDRO Model - Maximum Benefit

The QDRO models listed below are for retirees who selected the maximum benefit form of payment.

QDRO Model Max State and Teachers

Use this model if you are a retired state employee or retired teacher who selected the maximum benefit form of payment, or if you are an active state employee or teacher and your ex-spouse’s benefit is to be calculated as if you selected the maximum benefit form of payment.

Model QDRO –State & Teachers – MAX/SRA
Model QDRO –State & Teachers – MAX/SRA

QDRO Model Max Municipal

Use this model if you are a retired municipal employee who selected the maximum benefit form of payment, or if you are an active municipal employee and your ex-spouse’s benefit is to be calculated as if you selected the maximum benefit form of payment.

Model QDRO –Municipal – MAX/SRA
Model QDRO –Municipal – MAX/SRA

QDRO Model Max Police and Fire

Use this model if you are a retired public safety plan member who selected the maximum benefit form of payment, or if you are an active public safety plan member and your ex-spouse’s benefit is to be calculated as if you selected the maximum benefit form of payment.

Model QDRO –Police and Fire – MAX/SRA
Model QDRO –Police and Fire – MAX/SRA

QDRO Model - Option 1

The QDRO models listed below are for retirees who selected Option 1 form of payment.

QDRO Model Option 1 State and Teachers

Use this model if you are a retired state employee or retired teacher who selected the Option 1 form of payment, or if you are an active state employee or teacher and at the time of your retirement you will be required to elect the Joint and Survivor Option 1 form of payment and name your ex-spouse as beneficiary.

Model QDRO –State and Teachers – Option 1
Model QDRO –State and Teachers – Option 1

QDRO Model Option 1 Municipal

Use this model if you are a retired municipal employee who selected the Option 1 form of payment, or if you are an active municipal employee and at the time of your retirement you will be required to elect the Joint and Survivor Option 1 form of payment and name your ex-spouse as beneficiary.

Model QDRO –Municipal – Option 1
Model QDRO –Municipal – Option 1

QDRO Model Option 1 Police and Fire

Use this model if you are a retired public safety plan member who selected the Option 1 form of payment, or if you are an active public safety plan member and at the time of your retirement you will be required to elect the Joint and Survivor Option 1 form of payment and name your ex-spouse as beneficiary.

Model QDRO – Police and Fire – Option 1
Model QDRO – Police and Fire – Option 1

QDRO Model - Option 2

The QDRO models listed below are for retirees who selected Option 2 form of payment.

QDRO Model Option 2 State and Teachers

Use this model if you are a retired state employee or retired teacher who selected the Option 2 form of payment, or if you are an active state employee or teacher and at the time of your retirement you will be required to elect the Joint and Survivor Option 2 form of payment and name your ex-spouse as beneficiary.

Model QDRO – State and Teachers – Option 2
Model QDRO – State and Teachers – Option 2

QDRO Model Option 2 Municipal

Use this model if you are a retired municipal employee who selected the Option 2 form of payment, or if you are an active municipal employee and at the time of your retirement you will be required to elect the Joint and Survivor Option 2 form of payment and name your ex-spouse as beneficiary.

Model QDRO –Municipal – Option 2
Model QDRO –Municipal – Option 2

QDRO Model Option 2 Police and Fire

Use this model if you are a retired public safety plan member who selected the Option 2 form of payment, or if you are an active public safety plan member and at the time of your retirement you will be required to elect the Joint and Survivor Option 2 form of payment and name your ex-spouse as beneficiary.

Model QDRO –Police and Fire – Option 2
Model QDRO –Police and Fire – Option 2

QDRO Model Multiple Beneficiaries

The QDRO Model for multiple beneficiaries is for active state employees or teacher members only.

QDRO Model Multiple Beneficiaries

Use this model if you are an active state employee or teacher member and will be naming your ex-spouse and another beneficiary as equal benefit recipients under Option 1 or 2 either before or after retirement. Please contact our office regarding the election of Multiple Beneficiaries as there are restrictions associated with this election.

Model QDRO –Multiple Beneficiaries
Model QDRO –Multiple Beneficiaries

DISCLAIMER

Model QDROs are available for use under the ERSRI Defined Benefit Pension Plan. These models were drafted to assist members and benefit recipients should a division of benefits become necessary. These models should not be construed as legal advice, and ERSRI assumes no responsibility or liability for any harm resulting from the use of these models. Refer to the Rhode Island General Laws governing ERSRI to understand options and benefits available to our members. Members and benefit recipients are encouraged to seek legal advice from a knowledgeable lawyer with any domestic relations matters affecting their benefit.

ERSRI is governed by Rhode Island General Laws and the Rules and Regulations promulgated by ERSRI board members. While ERSRI has made every effort to assure accuracy of information presented here, in the event of any conflict between this publication and the laws, rules and regulations, the laws, rules and regulations will prevail.