General Discussion
In reply to the discussion: Is there a lawyer in the house? QDRO [View all]M0rpheus
(885 posts)Normally with the QDRO the funds are segregated as of the date of the order taking effect.
However, dependent on the plan, what you receive is still tied to the employee's service with the company.
For pensions, there is a calculation that determines the amount based on several factors (service time and other stuff).
The amount you were originally quoted, was likely assuming his normal retirement age or a specified retirement date. Taking into account employer contributions and interest up to his retirement date. Since he retired early, you're missing that 5 years of contributions and interest.
I hate to say it, but if all the rules were followed by the benefits administrator, his retiring early is the biggest factor in your receiving less than you expected.
The only advice I'd be able to give you is to request information on the actual calculation. The administrator should be able to provide it to you, though it may take several attempts.
I'm simplifying it a good deal, as most of this depends on the rules of the plan, and each plan can be substantially different even for people in the same company.
I don't deal with this regularly any longer (I quit that life-sucking job after 7 years), but I'll offer what help I can.