Illinois QDRO Cost Calculator
Estimate the cost of dividing a retirement account in Illinois, including drafting, plan administrator review, and attorney review.
Illinois divorces typically cost 28% less than the national average of $12,900.
QDRO costs in Illinois
- Drafting fee range
- $600 - $2,000
- Plan admin review
- $300 - $1,200
- Attorney review
- $500 - $1,500
- Property system
- Equitable Distribution
Account details
Locked to Illinois on this page.
This estimate is for planning purposes only and does not constitute legal or financial advice. Consult a licensed family law attorney in your state for guidance specific to your situation.
QDRO and Retirement Division in Illinois - Frequently Asked Questions
What is a QDRO and when do I need one in Illinois?
A Qualified Domestic Relations Order (QDRO) is a court order that directs a retirement plan administrator to divide a qualified retirement account (like a 401(k), 403(b), or pension) between divorcing spouses. Illinois courts require a QDRO any time you divide an ERISA-qualified plan as part of the divorce. Without a QDRO, the plan administrator cannot legally split the account, regardless of what the divorce decree says.
How much does a QDRO cost in Illinois?
QDRO drafting in Illinois typically runs $600 to $2,000. Most plans also charge a plan administrator review fee of $300 to $1,200, and attorney review of the order typically adds $500 to $1,500. All in, expect $1,400 to $4,700 per QDRO.
Do IRAs require a QDRO in Illinois?
No. IRAs are not ERISA-qualified plans, so they do not require a QDRO. Illinois divorces divide IRAs through a transfer incident to divorce under IRC Section 408(d)(6). The transfer must be ordered by the court but is processed directly with the IRA custodian, with no plan administrator review fee.
How is the marital portion of a retirement account calculated in Illinois?
Illinois courts most commonly use the coverture fraction: years married during employment divided by total years of employment. That fraction times the account balance is the marital portion subject to division. Pre-marital and post-divorce contributions are typically separate property. As an equitable distribution state, Illinois divides the marital portion fairly based on the statutory factors, which is often but not always 50/50.
What is different about military or federal retirement in Illinois?
Military pensions in Illinois are divided under the Uniformed Services Former Spouses' Protection Act (USFSPA), not a standard QDRO. Direct DFAS payments require a 10-year overlap of marriage and service. Federal employee retirement (FERS or CSRS) uses a Court Order Acceptable for Processing (COAP), processed by OPM. Both have their own forms and timelines distinct from a private-sector QDRO.
This estimate is for planning purposes only and does not constitute legal or financial advice. Consult a licensed family law attorney in your state for guidance specific to your situation.